Pre-Existing Conditions and Pet Insurance


Pre-existing Conditions

2 min read
Feb 04, 2022

What is a Pre-Existing Condition?

To really understand pre-existing conditions, you have to understand the timing of your policy. Many people often contemplate when they should start investing in pet insurance for their furry family members. The answer to this question is earlier than you think!

Even though our pets are family members, their insurance is more like our car insurance or home insurance rather than our own healthcare. Let’s take car insurance as an example. If you got into an accident without car insurance, you wouldn’t expect your auto insurance to pay for the accident.

Your car insurance only covers you for the accident if you have an insurance policy. Pet insurance works the same way. Pet insurance plans do not cover conditions, illnesses or events that occur before the policy begins.

MetLife Pet, like all other pet insurers, defines a pre-existing condition as any injury or illness contracted, manifested or incurred prior to the policy effective date. This means conditions which are affecting your pet prior to the policy effective date (regardless of medical notation, diagnosis or treatment) are excluded from coverage.

Pets of any age could develop conditions requiring expensive medical treatment or they could be involved in an accident. That’s why it is so important to have coverage before an incident occurs.

If your pet had an accident or is diagnosed with an illness before you get pet insurance, you may be subject to pre-existing conditions. But remember, even if your policy cannot cover the pre-existing incident, your investment covers your pet’s future and the health of your furry family member for years to come.

Consider Investing in Pet Insurance

Looking for more ways to keep your pets happy and healthy? Consider investing in a pet insurance policy with MetLife Pet Insurance. We offer dog insurance and cat insurance policies to cover your furry friends.  Get your free quote today.

Need Pet Insurance?

Coverage in 3 Easy Steps

1 Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.

2 Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.