Most pet insurance disputes come down to timing. A claim can be denied because the problem started too soon after you bought the policy, or because it was there before you bought it. Understanding these two terms before you buy can save you from an unpleasant surprise.
Waiting periods
A waiting period is the time after you buy a policy before coverage starts. It is often shorter for accidents than for illnesses, and some plans have longer waits for specific problems such as orthopedic conditions. The exact length varies by insurer and by state, so check the policy documents.
Anything that starts during the waiting period is generally not covered, even if you file the claim after the wait ends.
Pre-existing conditions
A pre-existing condition is a health problem your pet had, or showed signs of, before the policy began or during the waiting period. Most insurers do not cover these. Some will review a condition again later if it has been cured or has had no symptoms for a set period, but many do not, so read the wording.
Why buying early helps
The younger and healthier your pet is when you enroll, the less there is for the insurer to exclude. Waiting until your pet has a problem usually means that problem will not be covered.
What to compare
- Waiting period for accidents and for illnesses
- How the plan defines a pre-existing condition
- Whether curable conditions can be covered again later
- Whether medical records are required to enroll
Our pet insurance comparison lists these terms plan by plan. Read the full policy before you buy, since the details control what is paid.