When Should You Get Pet Insurance?

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• Not a substitute for professional veterinary help.

There’s no getting around it: pet insurance is time sensitive. Because virtually no pet insurance company will cover pre-existing conditions—that is, health conditions that your pet has before your policy goes into effect—it’s often better to get pet insurance early.

But how early? What’s the earliest you can get insurance for a newly adopted pet? And is it ever too late to get pet insurance? We break down the timing, plus the costs and benefits to striking early or dragging your feet.