7 yr old Ragdoll Cat - Not sure how picky pet insurance companies are about preexisting conditions
I have some family that recently spent roughly around $40K for their dog that had many medical procedures. They are well off, so they can recover from that. However, it made me think about getting pet insurance for my cat. She is 7 years old and her breed is Ragdoll. She had some minor health issues in the past. One case of conjunctivitis, and another where she had a bad case of diarrhea but that was due to an allergic reaction and since then we have made sure it wouldn't happen again.
Her last check up was in August 2025 where she had a full blood panel. She is a very healthy cat. From my understanding before getting pet insurance you should get a comprehensive wellness exam done, correct? After reading a lot of people's experiences, they are very nit picky on what is considered a preexisting condition... so I'm not sure if those two cases when she was young would be considered a preexisting condition.
Anyway, should I even bother getting pet insurance since she had those minor health issues in the past? I'm worried I'll pay a chunk of money each month just for them to say no to covering things in the future because it's related to diarrhea or her eyes 😞