Most pet insurance providers are quite open about not covering pre-existing conditions in any pet. Pre-existing conditions usually mean any kind of on-going health concern whether it is treatable or not. For example, if a cat is diagnosed with diabetes before her owner buys health insurance, then most likely the diabetes treatment and medication will not be covered by the pet insurance provider.

Some companies can be sticklers for when the disease was originally diagnosed. If you sign up for a policy, and a disease is discovered during the waiting period before the policy goes into effect, then the company may rule the disease was pre-existing and not cover it. There have been cases like this in the past, so ask questions about pre-existing conditions before you sign up with any pet insurance provider.

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