Exotic Pet Insurance for Pre-Existing Conditions

Introduction

One of the most frustrating parts of pet insurance is the “pre-existing condition” exclusion. If your bearded dragon already has MBD or your rabbit has a history of GI stasis, most insurers will not cover those specific issues. However, you still have options for exotic pet insurance with pre-existing conditions.

What is a Pre-Existing Condition?

In the eyes of an insurer, a pre-existing condition is any injury or illness that occurred (or showed symptoms) before your policy started or during the waiting period.

Option 1: PetAssure (The Only True Solution)

Because PetAssure is a discount program and not traditional insurance, they do not exclude pre-existing conditions. You can sign up today and get 25% off treatment for a condition your pet has had for years.

Option 2: The “Cured” Condition Rule

Some insurers will cover a previously “pre-existing” condition if it has been fully cured and your pet has been symptom-free for a certain period (usually 6-12 months). This often applies to things like ear infections or minor injuries.

Option 3: Insure for Everything Else

Even if your bird has a chronic feather-plucking issue that won’t be covered, you should still insure them for accidents, fractures, or new illnesses. Don’t let one existing problem stop you from protecting your pet against future ones.

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