Pet insurance is a lot like human insurance. If there is a pre-existing condition, either you can't get insurance or it'll cost a whole lot.

If you want insurance for a pet, you should start it as soon as you get your pet. Otherwise, the cost will be higher. And insurance doesn't cover everything. You might be better off by regularly putting a set amount in a special savings account. You can use this account when you need it, for whatever you need, without applying to a company for reimbursement (and maybe not getting repaid).

Just my opinion.