Most pet insurers exclude pre-existing conditions from cover, but there are exceptions.

Consequently, when choosing a pet insurance company or switching pet insurer, it’s important to understand the way a pet insurance provider defines a pre-existing condition and what might be excluded from cover.  

What is a pre-existing condition?

A pre-existing condition is a health issue that your pet has been diagnosed with or shows symptoms of before the start of the insurance policy. Most pet insurance policies exclude coverage for pre-existing conditions, which means that if your pet has had vet treatment for a condition in the past, a new pet insurer will not cover that condition. 

It is important to note that most UK pet insurers will consider a bi-lateral condition as a pre-existing condition.  This is because both knees are part of the same condition, and insurers often view claims for the same condition even if they are on either side of the body, as pre-existing if they are linked to the initial problem. For example, if your dog has cruciate ligament surgery on one knee, a claim for cruciate ligament surgery on the other knee may not be covered. This exclusion can apply to several different bi-lateral conditions. 

However, some providers e.g. Many Pets do offer cover for certain pre-existing conditions if they have been ‘stable’ for a specific period before the policy start date. Insurers define a ‘stable’ period as a period of time when your pet did not show any symptoms, need any treatment or advice for a pre-existing condition. The period of stability required can vary. Many Pets require your pet to be symptom and treatment free for 2 years prior to the start of your policy.   

Always be honest

When applying for pet insurance it is important to tell your chosen insurer about all pre-existing conditions. If you don’t disclose something it can invalidate your insurance policy or lead to claims being rejected, so honesty is always the best policy as thy will check your pet’s vet records.    

Shop around

Different insurers have varying policies regarding pre-existing conditions so it is always advisable to read the policy document before you buy to make sure you know how they will deal with any condition your pet has received vet treatment for, or you have had advice about, before the start of your new policy.

Insure your pet as soon as you can 

Insure your pet as early as possible and before any health issues arise can help ensure you have the broadest cover later. 
If you are switching insurer, please review the information and reviews we have for insurers on our site, get quotes, ask questions and read the small print before deciding on your new pet insurance provider.