Direct answer
No, almost all pet insurance policies exclude pre-existing conditions, meaning any injury or illness that showed symptoms before your policy effective date will not be covered.
Review of standard industry policy language and exclusions defined by major pet insurance underwriters. For additional information about how pet insurance policies define coverage and exclusions, see the North American Pet Health Insurance Association‘s industry resources.
What this means for you
No, almost all pet insurance policies exclude pre-existing conditions, meaning any injury or illness that showed symptoms before your policy effective date will not be covered.
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