Pet Insurance
Pet Insurance in Texas: Plans That Cover Existing Conditions
If you’re a pet owner in the Lone Star State, finding the right pet insurance in Texas is essential to keeping your furry family members healthy and safe. But what if your pet already has a health issue? Don’t worry—there are options. At Insurance Brokerage of Texas, we specialize in helping families find pet insurance including pre-existing conditions, so you never have to choose between your wallet and your pet’s well-being.
Whether you’re caring for a playful puppy with past allergies or a senior cat with chronic arthritis, we’re here to help you secure the right coverage—fast, affordable, and tailored to your pet’s needs.
What Is Pet Insurance with Existing Conditions?
Many pet owners wonder: “Can I get pet insurance with existing conditions?” The answer is yes, with the right provider.
A pre-existing condition is a medical issue that showed symptoms or was diagnosed before your pet’s insurance coverage began. While most standard policies exclude these, some insurers offer coverage for:
Curable conditions (e.g., ear infections, UTIs)
Rehabilitated or symptom-free conditions
Ongoing support for certain chronic conditions under special plans
That’s why finding pet insurance including pre-existing conditions is possible—especially with expert guidance from our Texas-based team.
Why Texans Are Choosing Pet Insurance with Pre-Existing Coverage
Veterinary care is expensive—especially when your pet already has health challenges. In Texas, where heat, allergies, and outdoor risks are common, it’s smart to get covered early.
Top reasons to choose our plans:
✅ Same-day coverage options available
✅ Plans that consider curable pre-existing conditions
✅ Flexible deductibles and reimbursement rates
✅ Wellness add-ons for vaccinations and routine care
✅ Available across Texas: Houston, Dallas, Austin, and more
Common Pre-Existing Conditions That May Still Be Covered
Not all health issues are automatically excluded. Some pet insurance in Texas plans allow coverage for conditions that are:
Cured and symptom-free for 6–12 months
Not chronic or hereditary in nature
Not previously diagnosed, but fully recovered
Let us help you determine what’s eligible based on your pet’s medical history.
| May Be Covered (Case-by-Case) | Not Usually Covered |
|---|---|
| Ear infections | Diabetes |
| Bladder infections (UTIs) | Cancer |
| Vomiting/diarrhea (non-chronic) | Hip dysplasia |
| Respiratory infections | Arthritis (if ongoing) |
| Skin irritations (fully healed) | Kidney disease |
Tailored Coverage Across Texas
Whether you’re in Dallas, San Antonio, Corpus Christi, or Waco, we help you compare providers who offer:
🐾 Accident & illness protection
🐶 Coverage for pets with existing medical issues
🐕 Routine care and dental cleanings
🏥 Emergency and specialty vet services
💊 Prescription meds and diagnostics
We work with nationally trusted names and local Texas insurers to give you real options—not one-size-fits-all plans.
How to Get Pet Insurance with Pre-Existing Conditions in Texas
Here’s how the process works:
Request a Free Quote – Share your pet’s breed, age, and health history.
We Compare for You – We look for policies that consider existing conditions.
Customize Your Plan – Choose deductibles, annual limits, and optional add-ons.
Enroll Same-Day – Many plans activate coverage as soon as today.
💡 Our local experts are here to walk you through every step. Whether your dog has a history of allergies or your cat is recovering from a past illness, we’ll explain what’s covered, what’s not, and how to build a policy that fits your budget. No pressure—just honest advice tailored to Texas pet owners.
Helpful Resources for Pet Owners
When it comes to pet insurance in Texas, don’t settle for a plan that ignores your pet’s past. With expert help, you can find pet insurance for existing conditions that provides meaningful coverage and peace of mind. We’re here to make sure your dog or cat is protected—no matter their history.
Start today. Because every pet deserves a healthy future—no matter their past. 🐾
Learn helpful pet care tips from the ASPCA to keep your furry friend healthy.
👉 ASPCA – General Pet Health Tips
Understand how insurers view pre-existing conditions with this guide from the AVMA.
👉 AVMA – Pre-Existing Condition Explanation
Explore official guidance on pet insurance regulations in Texas.
👉 Texas Department of Insurance – Pet Coverage Info
🐾 Frequently Asked Questions (FAQ)
Q1: Can I get pet insurance in Texas if my pet has a pre-existing condition?
Yes, some providers in Texas offer pet insurance plans that include limited coverage for pre-existing conditions—especially if the condition is curable and your pet has been symptom-free for a set period.
Q2: What’s considered a pre-existing condition in pet insurance?
A pre-existing condition is any illness, injury, or symptom your pet had before your insurance policy began. This includes chronic issues like diabetes or past injuries like torn ligaments.
Q3: Are there pet insurance plans that cover curable conditions?
Yes, many insurance companies allow coverage for curable conditions (such as bladder infections or ear infections) if your pet has been free of symptoms for 6 to 12 months before enrolling.
Q4: How much does pet insurance in Texas cost if my pet has a health history?
Costs vary based on your pet’s age, breed, condition, and coverage level. On average, plans start at around $20–$40 per month for basic coverage. Premiums may be higher if pre-existing conditions are factored in.
Q5: Do USAA or AKC offer coverage for pets with existing conditions?
USAA (through Embrace) and AKC Pet Insurance both offer policies that may cover curable pre-existing conditions. Chronic or incurable conditions are typically excluded but can sometimes be managed with optional riders.