Pet Insurance for pre-existing conditions

"Pre-existing condition" means any condition for which a veterinarian provided your pet medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition during the 18 months before the policy's effective date or during the waiting period.

The condition is considered pre-existing even if you—and not your vet—noticed symptoms.

If your pet has a pre-existing condition, we won’t cover any treatment for that condition. By this, we mean any medications, surgeries, ongoing therapy, scans/tests, examinations, hospitalizations, or any other treatment for that condition. However, the existence of a pre-existing condition does not preclude coverage for any unrelated conditions.  

Yes! Conditions (with the exceptions of hip dysplasia and cruciate ligament conditions) may once again be eligible for coverage if they have been free of diagnosis, treatment, or symptoms for 18 months! 

Your best option is to insure your pet when they’re still young, before any health conditions are likely to arise. That way, you’re far less likely to run into any pre-existing condition exclusions. That being said, if your pet has a curable condition, you should look for a company (like ManyPets!) that lifts the pre-existing condition exclusion after enough time has passed.

No, they’re not! ManyPets covers hereditary conditions so long as they don’t pre-exist your coverage.

These are breed-specific conditions that your pet is prone to, like back problems in Dachshunds. As long as your pet hasn’t shown clinical signs of a hereditary illness before the effective date of your policy or during the policy waiting period, it won’t be considered a pre-existing condition.

For the most part, yes! ManyPets may continually cover chronic conditions that arise after your waiting period has passed, so long as your pet maintains continuous coverage with no lapses.

Keep in mind that hip dysplasia and cruciate ligament conditions will be considered pre-existing conditions even if they previously appeared on the opposite side of your pet’s body compared to their current diagnosis. And hip dysplasia can never be covered if your pet is six years old (or older) when they’re first insured.

When you make a claim, your insurer will ask your vet for the past 18 months of your pet’s medical records so they can see if they’ve had any previous or current injuries or illnesses.

Yes, allergies are a pre-existing condition. And since they’re generally chronic, it’s highly unlikely that they’ll ever again be eligible for coverage after the first onset of symptoms. It’s a good idea to insure your pet when they’re young!

You can always change pet insurance, but if you do, any pre-existing conditions will likely cease to be covered by any provider, even if you switch back to ManyPets. So think long and hard before switching. 

Unfortunately, no. If you pause your pet’s coverage, even for one month, any current or recent conditions will be considered pre-existing when you re-enroll. If your pet has a covered condition, it’s generally wise to maintain your coverage. 

If your pet has suffered from an illness or injury within the past 18 months, it’s highly likely your pet has a pre-existing condition. In addition, if your pet appears symptomatic of an illness at the time of enrollment, it’s possible they may be suffering from an as-yet-undiagnosed pre-existing condition.