Best Pet Insurance for Pre Existing Conditions

It can be hard to find the right pet insurance for animals that already have health problems. Most standard policies don’t cover pre-existing health problems, so pet owners don’t know what to do. But some insurance companies have started to change their policies. For example, they now offer case-by-case evaluations or limited coverage options for pets with medical histories. Having access to financial protection can make a big difference in the quality and continuity of care for a pet that is getting better from a curable condition or has a long-term problem. We’ll list eight of the best pet insurance companies in 2025 that will cover pets that already have health problems. We look at how each insurance company handles claims, coverage, flexibility, and how they deal with pre-existing health problems.

1. Embrace Pet Insurance

Embrace offers full health insurance and may cover some pre-existing conditions, especially genetic and congenital ones, after a set amount of time. The Wellness Rewards program also pays for regular care like dental cleanings and vaccinations.

Important benefits include:

• Potential coverage for conditions after a waiting period

• Customizable reimbursement rates and annual limits

• Fast claims and user-friendly portal

Pet owners who want full coverage and extra flexibility for health problems that have already been diagnosed should look into Embrace.

2. Petplan

Petplan takes a case-by-case approach to pre-existing conditions, offering the potential for coverage after a thorough medical review. This is especially valuable for pets with controlled or non-recurring conditions.

• Evaluates prior conditions individually

• Covers hereditary, chronic, and recurring illnesses if approved

• Offers flexible plan limits and deductibles

Petplan stands out for its personalized underwriting, providing access to coverage options often unavailable through traditional insurers.

3. Healthy Paws

While Healthy Paws generally excludes pre-existing conditions, it ranks high for transparency and exceptional customer service. Policies are straightforward, making it easy for pet owners to understand what’s covered.

• Clear documentation of exclusions before signup

• No caps on lifetime or annual payouts

• Quick and simple claim processing

Healthy Paws is ideal for pet owners whose pets don’t need coverage for existing issues but value full protection for new accidents or illnesses.

4. Nationwide Whole Pet with Wellness

Nationwide’s Whole Pet with Wellness plan is one of the few that covers curable pre-existing conditions after a defined waiting period. It’s designed for pets that have recovered and remained symptom-free.

• Reimburses wellness care like dental cleanings and vaccinations

• Multiple reimbursement tiers and deductibles available

• Suitable for pets recovering from earlier health issues

This plan provides balanced coverage that includes both preventive and illness-related care, making it a strong contender for pets with manageable medical histories.

5. ASPCA Pet Health Insurance

ASPCA Pet Health Insurance considers covering pre-existing conditions if the pet has been symptom-free for a specified time, usually 6 to 12 months. This opens the door to coverage for aging pets or those recovering from prior illnesses.

• No lifetime benefit caps on some plans

• Broad coverage across illnesses, accidents, and alternative therapies

• Highly customizable policies

Its thoughtful structure makes ASPCA Pet Health Insurance a practical choice for long-term support as pets age.

6. Figo Pet Insurance

Figo offers a tech-savvy experience with a cloud-based claims platform and same-day processing. Pets with pre-existing conditions may qualify for limited coverage after 12 months without symptoms.

• 100% reimbursement available on eligible plans

• Real-time claim tracking via the app

• No upper age limits for enrollment

Figo is ideal for pet owners looking for fast, flexible claims support with modern tools and reasonable pre-existing condition policies.

7. Trupanion

Trupanion focuses on illness and injury coverage and may consider pre-existing conditions after a detailed evaluation conducted by your vet.

• Direct payment to veterinarians reduces upfront costs

• No payout limits for lifetime or annual claims

• Comprehensive protection for hereditary conditions

While not guaranteed, Trupanion’s willingness to evaluate on a case-by-case basis gives pet owners more options than many competitors.

8. Pets Best Insurance

Pets Best offers coverage for curable pre-existing conditions after a waiting period, with flexible plans that make managing ongoing treatments more affordable.

• Offers routine care add-ons for vaccinations and exams

• Plans can be tailored by deductible and annual cap

• Fast claim approvals and responsive support

Pet’s Best is an excellent choice for pet owners seeking flexibility and affordability while managing past health issues.

Pet Insurance for Pre-Existing Conditions

Conclusion

It’s important to carefully compare different pet insurance plans if your pet is already sick. A lot of policies still have limits, but some companies are more open to treating certain conditions or looking at each case on its own. Companies like Embrace, Petplan, Figo, and the ASPCA are good options, but the best one will depend on the pet’s health history and how long it will take to heal. If pet owners know how each provider has dealt with past health problems and how that affects the pet’s current needs, they can get good protection without spending a lot of money. If you have a long-term illness or are planning for future care, the right policy can give you peace of mind and help you pay for care when you need it most.

Frequently Asked Questions

Can pet insurance cover pre-existing conditions?

Some providers offer partial or limited coverage for curable conditions, typically after a waiting or symptom-free period. Chronic or incurable conditions are often excluded.

Which pet insurance is best for pre-existing conditions?

Embrace, Petplan, ASPCA, and Figo offer the most flexible policies, especially for pets who have been symptom-free for several months.

What is considered a pre-existing condition in pet insurance?

A pre-existing condition is any illness, injury, or symptom that happened before the insurance policy started or during the waiting period.

How long must a pet be symptom-free for a condition to be covered?

This varies by insurer but typically ranges from 6 to 12 months.

Is it worth getting pet insurance if my pet already has health issues?

Yes, especially if the insurer offers accident-only coverage, wellness care, or partial illness coverage for conditions that have been resolved.

Are hereditary or congenital conditions considered pre-existing?

If diagnosed before coverage begins, yes. However, some providers cover these conditions if they arise after the policy starts.

Written by Kent Baker Updated August 28, 2025 by Albert Fang