Does pet insurance cover pre-existing dental conditions?

Pre-existing dental conditions are generally not covered by pet insurance policies. This means that if your pet had signs or symptoms of dental illness or a dental injury prior to enrolling in a pet insurance policy, these conditions will not be covered. Further, any condition that begins or occurs during an applicable waiting period is considered a pre-existing condition as well.

If your pet is enrolled in an accident policy, your policy may provide coverage for accidental dental injuries that occurred during your policy period even if your pet has dental illness. It’s important to remember that in this situation, only the required veterinary care for the dental accident would be eligible for coverage. It’s very important to review your pet insurance policy terms to understand the specific coverage details. Remember to disclose any pre-existing conditions or injuries during the enrollment process to ensure your pet remains eligible for coverage.

Remember, pet insurance policies that provide coverage for dental illness and injury will not cover routine dental care and cleanings. However, many pet insurance companies offer an optional wellness plan that may include preventative dental care benefits for an additional monthly premium.

Can you get pet insurance retroactively?

Pet insurance can be purchased anytime however coverage cannot be provided retroactively. If your pet exhibits signs of an illness or injury prior to obtaining the policy or during the waiting period, it is classified as a pre-existing condition and is generally not eligible for coverage.

Please note that specific coverage details and exclusions may vary depending on the insurance provider and the policy you choose. It’s essential to carefully read the policy terms, ask questions to the insurance provider, and ensure you understand the coverage and limitations before enrolling in a pet insurance policy.