These are conditions for which your pet was symptomatic, treated, or diagnosed before your pet insurance policy went into effect or during your waiting period. However, unlike some other companies, ManyPets will no longer consider most conditions** to be pre-existing if your pet has been free of symptoms, diagnosis, and treatment for a certain time period — usually 18 months.**
The younger your kitten is when they’re insured, the less likely they are to have a pre-existing condition in the future.For a complete list of insurance coverages and exclusions — or as we like to call it, the whole ball of twine — view our example policy.
Preventative care, including vaccinations
The ManyPets Accident and Illness Policy does not cover routine or preventative care like checkups, dental cleanings, preventative parasite treatments, or supplements. However, the optional ManyPets’ Wellness Plan (an non-insurance plan you may purchase in addition to insurance) is designed to reimburse you for such items. This is particularly important for kittens, who need lots of vaccinations and checkups.
Kittens under eight weeks old
ManyPets insurance only covers kittens who are eight weeks of age or older. But this shouldn’t be a problem: Most breeders and shelters won’t even let you take a kitty home before eight weeks old. In fact, many states legally forbid this.
This is the brief period, beginning the day your insurance policy becomes effective, when your pet's accidents and illnesses are not yet eligible for coverage. Waiting periods may vary by state due to relevant regulatory rules and changes; always refer to your own state’s policy wording.