Does pet insurance cover pre-existing kidney conditions?

Pre-existing kidney conditions are typically considered pre-existing and excluded from coverage by pet insurance policies. It’s important to disclose any pre-existing conditions during the enrollment process. It’s important to review the policy terms to understand the specific coverage details. Pre-existing kidney conditions, which are kidney conditions that exist before enrolling in the insurance policy, are generally not covered by pet insurance. It’s important to disclose any pre-existing conditions or injuries during the enrollment process.

If your pet has a pre-existing condition, there is on average a 14 day waiting period for: Diagnosis, treatment, or surgery related to accidents, illnesses and ligaments and knee conditions. The waiting period begins on the first effective date of the applicable coverage. Any condition that occurs during an applicable waiting period is a pre-existing condition.

If the pre-existing condition has been cured and hasn’t received any treatment or shown symptoms for at least 180 consecutive days, this may be considered a new occurrence and not treated as a pre-existing condition. Check your specific policy for the timeframe your pet must not have signs or symptoms of their condition to be considered cured.

There are two prevalent categories of pre-existing conditions: Curable and Incurable. The majority of pet insurance providers offer coverage for curable pre-existing conditions that have remained symptom-free for a consecutive period ranging from 180 days to 12 months.

Curable pre-existing conditions typically involve temporary health concerns that were successfully addressed and resolved prior to your insurance purchase. These can encompass issues such as respiratory infections, urinary tract infections, as well as episodes of vomiting and diarrhea.

In contrast, many pet insurance companies do not extend coverage to incurable pre-existing conditions. However, there is an exception with a few carriers. After maintaining your policy for 365 days, there are many policies that may provide coverage for pre-existing conditions that other companies might deem incurable, such as allergies and chronic ear infections (subject to availability in certain states).

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.