Your Pet's Past Doesn't Define Their Future

We understand that every pet has a story. Our compassionate approach to pre-existing conditions means your beloved companion can still receive the care they deserve, regardless of their health history.

Curable Hero

What Are Curable Pre-Existing Conditions?

Not all pre-existing conditions are created equal. Some can be fully cured, and we believe your pet deserves coverage after recovery.

What Are Curable Pre-Existing Conditions

A curable pre-existing condition is a short-term illness or injury your pet had before you purchased the policy, but which can be fully resolved with treatment and has not shown any symptoms or required treatment for at least 12 consecutive months. Once that 12-month symptom- and treatment-free period has passed, we will consider the condition covered again — just like any new condition.

    What makes a condition "curable"?

  • Non-chronic and non-degenerative in nature
  • Resolves completely with medical or surgical treatment
  • No ongoing clinical signs or required maintenance
  • 12 months with no symptoms or treatment

What We Cover vs. What We Don't

Some conditions can be fully cured, while others are chronic or lifelong. Here's how we determine coverage.

What We Cover
After 12 months with no symptoms or treatment, these conditions become eligible for coverage again:

Urinary Tract Infection (UTI)

Must be acute and fully resolved.

Ear Infection (Otitis)

Single episode with no recurrence.

Vomiting/Diarrhea (isolated)

If not related to chronic conditions.

Kennel Cough

Fully recovered with no chronic issues.

Minor Soft Tissue Injury

Healed with no long-term effects.

What We Don't Cover
These conditions are considered chronic or structural and are not eligible for the curable condition exception:

Diabetes or Hyperthyroidism

Chronic systemic illness requiring ongoing care.

Hip Dysplasia

Structural/congenital condition.

Intervertebral Disc Disease

Progressive degenerative condition.

Allergies or Dermatitis

Typically lifelong and recurring.

Any Cancer or Tumors

Even if in remission.

How It Works

Our process is simple and designed with your pet's health in mind

12-Month Waiting Period
After your pet fully recovers from a curable condition, we monitor for 12 months to ensure it doesn't return.
Veterinary Verification
Your vet confirms the condition is resolved with no ongoing symptoms or need for treatment.
Coverage Resumes
After the waiting period, if the condition returns, it's treated as a new condition with full coverage.

Required Documentation

To remove a curable pre-existing condition from exclusion, we'll need:

  • Recent medical records
  • History from previous 12-18 months
  • Relevant diagnostic results
  • Statement from treating veterinarian
No extra cost 😇

Give Your Pet the Second Chance They Deserve

OSLO provides coverage for curable pre-existing conditions after they've been treatment-free for 12 months, including ear infections, urinary tract infections, and vomiting.

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Frequently Asked Questions

Get answers to common questions about our curable pre-existing conditions coverage

Hey, so my
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OSLO Pays

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