Long-term illnesses are covered for as long as you keep the policy — provided they were not pre-existing when you enrolled.
Conditions that require ongoing care — arthritis, kidney disease, thyroid disorders — are covered year after year as long as your policy stays active and the condition began after coverage started.
This is exactly why people keep pet insurance for the life of the pet: dropping coverage and re-enrolling later would make the condition pre-existing on the new policy.
Watch for per-condition limits on a few plans; most leading insurers reimburse chronic care up to the annual limit each year.
Once you insure a healthy pet, keeping the policy continuously is what protects you against chronic-illness costs.
Try next: Is pet insurance worth it? · Reimbursement calculator · Vet cost estimator
Long-term illnesses are covered for as long as you keep the policy — provided they were not pre-existing when you enrolled.
Yes. Pet insurance never covers pre-existing conditions, so enrolling while your pet is young and healthy is when coverage is broadest and cheapest.
After your deductible, the insurer reimburses your plan percentage (commonly 70%, 80%, or 90%) up to your annual limit. Use the reimbursement calculator to see the exact figure for any bill.