Pre-existing conditions are conditions that started before your pet’s policy effective date. Conditions may also be considered pre-existing if signs, symptoms, or treatment first occur during an applicable waiting period.

Certain non-chronic conditions may be eligible for future coverage if they have been cured or resolved and your pet has remained symptom- and treatment-free for at least 365 days. Eligibility is determined based on the specific condition, your pet’s medical history, and the terms of your policy. Meeting the 365-day period does not guarantee coverage.

Knee and ligament conditions are treated differently. If a knee or ligament condition occurs before the coverage effective date or during the applicable 180-day waiting period, related future conditions may remain ineligible for coverage unless a qualifying knee and ligament waiver was completed and submitted within the first 30 days of the policy.

Although pet insurance companies may define pre-existing conditions differently, pet insurance policies generally do not cover conditions that are determined to be pre-existing under the applicable policy terms.