What is a bilateral condition in pets? It's a condition where a disease or injury affects similar body parts on both sides of the body. For example, if a dog has an ACL injury in its right knee, there's a 40% to 60% chance that the left knee will also be affected within the next 6 to 12 months. So, does pet insurance cover this condition? The answer is usually no. When you look at the fine print of pet insurance policies, you'll often find a bilateral condition exclusion clause. However, this doesn't mean that no company covers this condition. There are still some companies in the market that do. So today, we'll discuss Pet Insurance That Covers Bilateral Conditions (2026 Guide).
This article explains which companies cover bilateral conditions and what their cruciate ligament bilateral exclusion rules are. It also discusses the loopholes in these pet insurance companies' policies that can help pet owners with pre-existing bilateral conditions avoid significant out-of-pocket expenses.