A bilateral condition is any health condition that can affect both sides of your pet’s body – for example, an illness that affects your pet’s right eye after having previously affected their left eye. Unlike ManyPets, some pet insurance companies exclude coverage of all pre-existing bilateral conditions.
ManyPet excludes only two bilateral conditions if they pre-exist your policy, meaning they’ll be ineligible for coverage even if the condition was previously diagnosed on the other side of their body. These conditions are:
As we’ve mentioned, these are also the two conditions that can’t be covered even if 18 months have passed since they were last diagnosed, treated, or showed symptoms.
And there’s one other exclusion surrounding hip dysplasia (though not cruciate ligament conditions): We won’t be able to cover hip dysplasia if your pet is at least six years old on the start date of your policy. But there will never be any age-based exclusions if you insure your pet before age 6 and continuously keep them insured.
One last thing to keep in mind: If a health condition comes about while your pet is insured (and after their waiting period has passed), bilateral condition exclusions will NOT apply in the future.
All in all, it’s wise to insure your pet when they’re younger.