My pet is already sick or injured, can pet insurance help?

If your pet’s already sick or injured, it may be too late. As with all pet insurance, pre-existing conditions are not covered, so if a medical illness, injury, or health condition was known prior to you starting a pet insurance plan, your vet bill would not be covered.

However, if you purchase pet insurance and your pet develops diabetes, arthritis, allergies, cancer or heart disease, treatment would be covered under your pet health plan.