Most people assume they understand what a “pre-existing condition” means in pet insurance. If your dog or cat has already been diagnosed with something before you enroll, it will not be covered. That part seems straightforward. But the reality is much broader—and much more frustrating. In many cases, pet insurance companies can deny claims based on symptoms, patterns, or medical history that go far beyond a formal diagnosis. If you have not looked closely at how these policies work, this is one of the biggest reasons coverage may not deliver what you expect. As we explained in our breakdown of More…