How to get pet insurance for pre-existing conditions
Most pet insurance policies will not cover pre-existing conditions, but we work with insurers who will.
If you’ve claimed on your dog or cat insurance in the past, you’ll know that most illnesses or injuries can only be claimed for once. You’ll usually be given a set financial limit for each condition, or a time limit in which treatment for it is available. After that, they’re classed as pre-existing conditions, and you’ll usually have to pay for further treatment for them yourself.
The same goes for new policies. If your pet has been diagnosed with a condition before you take out pet insurance, you usually won’t get any cover for that condition.
We know how frustrating this can be, especially if you’re concerned that your pet’s condition may come back. That’s why we've worked hard to find you pet insurance that covers conditions you've claimed for in the past.
Compare quotes now to find the cover you need for your pet.
Most insurers define a pre-existing condition as an illness or injury that was diagnosed before you took out a pet insurance policy – regardless of whether your pet received treatment for it.
If the condition was diagnosed during the course of your policy, it too will be seen as a pre-existing condition. You’ll be able to claim for it while your current policy is active. But once you renew, it might be excluded, and you may not be able to claim for it again.
A pre-existing condition could be anything from hip dysplasia, which is common in pedigrees, to gastrointestinal issues, eye infections, ear infections and more.
If you’re still unsure what counts as a pre-existing condition, check with your current insurance provider. They’ll be able to tell you whether your pet’s condition can be covered again in future.
Where most insurers won’t cover any pre-existing conditions at all, we work with insurers who will.
They use a unique screening service to give you an upfront decision on whether your pet’s pre-existing conditions can be covered. They'll then then provide you with cover options that suit your needs, as well as your budget.
This way, you could find a policy that'll cover your pet’s condition should it return in the future.
There may be limits on what can be covered, but by getting a quote you'll be able to see what your options are in minutes.
Jac Morris, our pet insurance expert, says:
“If you have lifetime pet insurance, you may already be covered.
“As long as your pet was insured before it developed the condition, a lifetime policy should continue covering it for as long as you keep the policy active.”
Find out more about lifetime pet insurance.
For other types of pet insurance, Jac warns, this isn’t usually the case, and once you’ve claimed for that condition, it might not be covered again. You could then be faced with covering the costs yourself.
So, what’s the best option?
Jac says: “Standard pet policies may actually offer a limited level of pre-existing conditions cover, so it’s worth getting a quote if your current provider doesn’t offer this.
“Another option is to stick with them and cover the cost of treatment yourself.
“This may be handy if your current policy gives you a good level of cover in other areas at a good price.
“But,” he adds, “covering the costs of a condition yourself can be pricey.
“That’s where pet-insurance that covers pre-existing conditions can be useful.”
With the right policy you could get cover for conditions you’ve already claimed for, helping with the costs if your pet suffers with the same condition in future.
So, there are other options available. Get a quote today to see what policy is the best for you.
Need more help? Try our FAQs
Getting a pre-existing conditions quote is easy and only takes a few minutes.
We’ll just need to know what conditions your pet has, as well as its age, breed, and whether it’s a cat or a dog.
Have all this to hand, and then answer yes to the ‘pre-existing conditions’ question when you’re getting a quote.
We'll then compare deals to find you the best policy at the best price.
Some conditions are less likely to be covered than others.
Chronic conditions that are incurable and need ongoing treatment may be excluded, for example. This can include things like diabetes and cancer.
But what isn’t covered can vary from provider to provider.
The best way to check if your pet’s pre-existing condition can be covered is to get a quote. You’ll be able to see what you’ll be covered for, how much it’ll cost and how much you’ll be able to claim towards treatment costs.
Yes, you’ll still be able to change insurer, but they may refuse to cover your pet’s pre-existing condition.
This is fine if you’re happy to pay for treatment for that condition yourself. But if you’re looking to cover your pet fully, you may have to look a little harder to find the right policy for you.
Get a quote to see what each insurer can offer you. Or read our guide on how to change your pet insurance for more information.
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