Does Critical Illness Cover Arthritis?

Shawn Plummer

CEO, The Annuity Expert

Understanding Coverage

Critical illness insurance typically covers severe health conditions like cancer, heart attacks, or strokes. However, arthritis, a common joint disorder, is generally not included in this coverage.

Why Arthritis is Excluded

  1. Prevalence: Arthritis is a common condition, and including it could significantly increase insurance costs.
  2. Severity: Critical illness cover is designed for life-threatening or severely debilitating conditions. While arthritis can be painful and impact quality of life, it’s often not life-threatening.

Alternatives for Arthritis Coverage

  1. Health Insurance: Regular health insurance often covers arthritis treatments.
  2. Disability Insurance: If arthritis affects your ability to work, consider disability insurance.


Critical illness insurance typically does not cover arthritis, focusing instead on more severe, life-threatening conditions. For arthritis-related expenses, explore health or disability insurance options. Remember, each policy is unique, so it’s crucial to check your specific terms.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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