Exclusion Confusion: Understanding Pre-Existing Conditions

Did you know the number one exclusion for pet insurance claims is pre-existing conditions?

For PetFirst, it’s important that we educate all of our pet parents about the number one exclusion from the very beginning. But we also understand that it’s confusing, that’s why we try to make the definition clear and simple. 

PetFirst identifies pre-existing condition as a condition or symptom that began before your pet insurance plan was effective. This is considered pre-existing and is not eligible for reimbursement. However, an accident or illness with symptoms that weren’t present before your enrollment or during waiting periods, the condition is eligible for coverage. We are happy to help answer any of your questions about eligibility before you purchase your policy, and we are always here to answer questions from our policy holders anytime.  

It’s important to note that PetFirst distinguishes between curable and incurable pre-existing conditions, which benefits your pet!

Curable vs. Incurable pre-existing conditions

Incurable pre-existing conditions typically require lifelong care, and will not be eligible for coverage if your pet is already experiencing symptoms or has been diagnosed prior to the effective date of their pet insurance policy.

Examples of incurable pre-existing conditions:

• Diabetes
• Allergies
• Cancer
• Heart Disease
• Arthritis

Curable pre-existing conditions are issues that can be completely resolved. These type of pre-existing conditions are eligible for coverage once they have been completely resolved and free from symptoms for a period of time.

Examples of curable pre-existing conditions:

• Ear Infections
• Upper Respiratory Infections
• Vomiting
• Diarrhea
• UTIs

You can find more answers to questions about pre-existing conditions on our Frequently Asked Questions page, or you can contact our team at 866-937-7387.