Does Pet Insurance Cover Pre-Existing Conditions in South Africa?

As pet ownership continues to rise in South Africa, the importance of providing our furry friends with the best possible […]

As pet ownership continues to rise in South Africa, the importance of providing our furry friends with the best possible care becomes paramount. Pet insurance plays a crucial role in ensuring that our beloved animals receive the necessary medical attention when needed. However, a common concern among pet owners is whether pet insurance covers pre-existing conditions. In this comprehensive guide, we delve into the South African landscape of pet insurance, exploring how insurers handle pre-existing conditions and what pet owners need to know.

Understanding Pre-Existing Conditions

Definition and Scope

Pre-existing conditions in pets refer to any illnesses or injuries that occurred before the commencement of a pet insurance policy or during the waiting period. The waiting period is the duration between purchasing the insurance and when the coverage becomes effective. This measure is in place to discourage individuals from acquiring insurance only after their pets develop health issues.

Common Pre-Existing Conditions

Just like humans, pets can experience various health issues. Some common pre-existing conditions in South African pets include:

  • Allergies
  • Arthritis
  • Cancer
  • Diabetes
  • Ear or eye infections

Does Pet Insurance Cover Pre-Existing Conditions?

Most pet insurance providers in South Africa do not cover costs related to pre-existing conditions. This exclusion is in line with global practices and is designed to prevent individuals from taking advantage of insurance after their pets have already fallen ill. If a pet displays symptoms of a condition before the policy starts, the insurance is unlikely to cover the treatment.

Differentiating Curable and Incurable Conditions

Some pet insurance companies in South Africa distinguish between curable and incurable pre-existing conditions. While incurable conditions are rarely covered, there may be instances where curable conditions are included in coverage after the pet remains symptom-free for a specific period. This period often ranges from six to 12 months.

Examples of Curable Pre-Existing Conditions

  • Respiratory infections
  • Urinary tract or bladder infections
  • Vomiting and diarrhea (non-chronic)
  • Broken bones
  • Cuts and bruises
  • Kennel cough

Examples of Incurable Pre-Existing Conditions

  • Allergies
  • Cancer
  • Diabetes
  • Arthritis
  • Chronic kidney disease
  • Hip dysplasia
  • Epilepsy
  • Heart disease

How Do Insurers Determine Pre-Existing Conditions?

Insurers typically request a pet’s medical history or veterinary records during the application process. These records provide insights into any pre-existing conditions. In cases where the history is unclear, insurers may require a veterinary examination. Some insurers also conduct a baseline health checkup when a policy is first purchased.


When initially purchasing a policy, many pet insurance companies in South Africa may mandate a recent vet checkup. This not only helps establish a baseline of the pet’s health but also aids in identifying potential pre-existing conditions.

Finding Insurance for Pets with Pre-Existing Conditions

Securing pet insurance for pets with pre-existing conditions can be challenging but not impossible. Here are some tips for navigating this process in the South African context:

Look for Exceptions

Some insurers may cover conditions they consider curable if the pet has been symptom-free for a specified period, typically six or 12 months. Companies like PawPaw cover all pre-existing conditions once continuous coverage has been maintained for a year, even if they’re deemed incurable.

Review Your Pet’s Medical History

Understanding your pet’s medical history is crucial when applying for insurance. Veterinarians can help clarify which conditions might be considered chronic or curable, guiding you in deciding if pet insurance is worth the investment.

Enroll Early

Early enrollment in a pet insurance plan increases the likelihood of coverage without pre-existing condition exclusions. The sooner you sign up your pet for a health plan, the less likely they are to have existing issues.


For older pets with pre-existing conditions, pet insurance might be expensive or not cover specific medical problems. In such cases, consider setting aside an emergency fund for healthcare expenses.


Understanding how pet insurance covers pre-existing conditions is vital for South African pet owners. While many insurers exclude coverage for such conditions, there are exceptions, especially for curable conditions after a symptom-free period. Reading the fine print, reviewing your pet’s medical history, and enrolling early can significantly impact the coverage your pet receives. As the South African pet insurance market continues to evolve, staying informed and proactive will help you make the best decisions for your furry family members.