Common Causes of Dog Health Insurance Rejection

Purchasing dog health insurance can provide you with a way to protect yourself against large veterinarian bills when you have a dog. Although this type of insurance coverage can be beneficial, in some cases you can be rejected for coverage. Here are some of the most common causes of dog health insurance rejection.

Preexisting Condition

Perhaps the most common reason for dog health insurance rejection is that the animal has a preexisting condition. Dog health insurance companies do not want to cover an animal that already has a serious health problem. When the dog has a preexisting condition, the insurance company knows that they will have to start paying for veterinarian bills soon. Therefore, if they take only dogs that do not have any known medical conditions, they can improve their odds of not having to pay large bills. Overall, this lowers their costs as well as customer premiums. If you have a dog with a documented preexisting condition, you most likely will not be able to find an insurance policy for him or her.


Another common cause of dog health insurance rejection is advanced age. Each insurance company will most likely have a maximum age that they will stick to when it comes to offering policies to dogs. The insurance company knows that when a dog gets to a certain age, there is a high likelihood that he or she will have several health problems. This means that if your dog is past an acceptable age, the insurance company will most likely reject your application. Even if the dog is in good health, the insurance provider will still refrain from offering you a policy.

No Proof of Shots

In order to qualify for a dog health insurance policy, you will need to be able to prove that your dog has had all of the necessary shots. Many people forget to take their dogs to the vet in order to get their shots. When this happens, it could effectively prevent you from purchasing health insurance for your animal. The health insurance company wants to work only with dogs that have had the best chance of being healthy. This is possible only if the dog has had all of the necessary shots throughout his or her life. You will also have to have the paper documentation that says the dog has received these shots.


In some cases, your dog may be rejected because of the breed that it is. Not every dog health insurance company will cover all breeds of dog. Some breeds are more prone to certain conditions and diseases than others. Some dogs have a tendency to attack other animals because of their aggressive nature. If this is the case, it also increases the likelihood of the dog's being injured at some point in the future. If there is a high likelihood of injury, the insurance company might elect not to cover a particular breed of dog

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