When is the Best Time to Get Pet Insurance?

The best time to get pet insurance is when your pet is young and healthy. Most policies don’t cover pre-existing conditions, so enrolling early ensures the broadest protection. Even if your pet is older, it’s never too late—many insurers offer plans for senior pets. Waiting until after an illness or accident can make coverage more limited and expensive. Starting early often means lower premiums and fewer exclusions. Remember, life is unpredictable. Having insurance in place before you need it guarantees that your pet can always get the care they deserve.