What Happens If My Pet Gets Sick Before I Enroll?

Any health issue that occurs before you buy pet insurance is considered pre-existing and will not be covered.
Source: BestPetPlanGuide.com

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This includes:

·       Diagnosed conditions (like diabetes, allergies)

·       Undiagnosed symptoms (vomiting, limping, etc.)

·       Historical treatment for the same issue

 

Some “curable” pre-existing conditions (like ear infections or bladder issues) may be covered again after a 6–12 month symptom-free period. Chronic conditions, however, are typically excluded for life.

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Insurance is meant for future risks, so early enrollment—especially for young, healthy pets—is key to maximizing coverage.