What is considered a chronic illness in Pawfect Care and is it covered?

Chronic medical condition is a medical condition that has at least one of the following characteristics: 

a. Lasts 3 months or more; 

b. Comes back or is likely to come back; 

c. Is permanent; or 

d. Needs long-term monitoring including consultations, checkups, examinations, and tests, and shall include an acute episode of a chronic medical condition. 

If your pet first enrolled in our plan at age 4 or younger, your pet can enjoy lifetime coverage of chronic illnesses. (*If your pet develops symptoms associated with a chronic illness before the end of the waiting period, the chronic illness will be considered a pre-existing condition and will not be covered.) 

If your pet first enrolled in our plan at age 5 or older, chronic illnesses will still be covered for the first policy year they occur. However, the specific illness will be considered a pre-existing condition and excluded for subsequent policy periods. 

Chronic illnesses can be very costly to treat. Make sure your furry buddy is covered by getting insurance at an early age!