[mississippi_leg_hound]

I’ve read some of your articles about pet insurance. I’m looking into it for my older Lab. But I’m so confused about coverage for “curable pre-existing conditions.” Can you explain this to me? My Lab has recurring ear infections. Would this be included or not?

[Kimberly Alt]

Curable pre-existing conditions are temporary, one-time illnesses that can be healed or cured and be symptom-free, requiring no further treatment or medicine. Examples include ear infections, urinary tract infections, broken bones, upset stomach, respiratory infections, poisoning, eye trauma, skin infections, and foreign body ingestion. If they become chronic, some of these conditions can be classified as incurable and be excluded from coverage by some providers.

Your Lab’s recurring ear infections would likely be excluded by pet insurance because they are chronic. However, each company handles this differently, and it depends on how much time there is between ear infections. Each company requires a set time for the dog to be symptom-free before they will cover a second bout of a health condition.

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