Recurrence considered pre existing condition pet insurance?

Our dog recently had spinal surgery. The vet had advised us an injury with no additional reoccurrence for a year is no longer considered a pre-existing condition? Is this true and is it the same for all pet insurances?


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I wouldn’t recommend Nationwide where there is even a chance of a pre-existing condition clause. I rescued a cat from a person who was going to put it in a shelter because he didn’t like her fiancé, and when I picked him up I discovered that he sneezed constantly and each time he would spew mucus out of his nose. Her first vet had absolutely no idea (according to his records) what it was after about three visits, so he put down “Kennel cough” and left it at that. I spent a great deal of money having him thoroughly checked and was about to put him through exploratory because my vet said it was definitely not kennel cough, but something else. Nationwide refused every claim and called it pre-existing kennel cough. It took three years to get it off the policy. Fortunately for my kitty, he stopped the sneezing and snotting on his own within six or seven months – right before I started looking for a surgeon. It never happened again and he is a healthy little thing. Be very, very careful about the policies for pre-existing… not just in how long it’s on the policy, but what they consider to be pre-existing.
Melissa at Healthy Paws
Donna, you should contact the pet insurance company of interest to get this particular stance regarding pre-existing conditions since each company may be slightly different.
How can a vet decide what is a pre-existing condition? That definition comes from the pet health insurance underwriters.
Kimberly Alt
Most vets determine pre-existing conditions by doing an evaluation within a certain amount of time before coverage begins. It’s similar to a physical for people but it’s for dogs instead and the vet checks to make sure there are no issues to be concerned about.