Pet insurance for pre-existing conditions
Get your pet’s pre-existing conditions covered
A dedicated policy with up to £1,500 of cover for pre-existing conditions.
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Pet Insurance Provider Of The Year 2024
Thousands of pet owners voted us Pet Insurance Provider Of The Year in the 2024, 2022 and 2021 Moneyfacts Consumer Awards.
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What is a pre-existing condition?
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Can I get pet insurance for pre-existing conditions?
What’s covered by Pre-existing pet insurance?
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Historical
Cover for conditions such as digestive, skin and eye problems
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Congential
Genetic conditions such as heart problems and arthritis
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Bilateral
Conditions that affect both sides of the body such as hip dysplasia
We don't cover chronic conditions
Why choose our pre-existing policy?
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For previously ill or injured pets
Get cover for your pet’s recent health conditions.
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Unlimited, 24/7 video vet calls with FirstVet
Get advice from a UK-registered vet on your phone, day or night at no extra cost. No excess, no impact on your renewal price.
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Pet perks
Access exclusive pet health extras worth up to £500, including discounted flea, tick and worming treatment, an offer on pet sitting membership and much more. Offers may change at any time. Terms apply*.
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Lifetime cover
All our policies offer lifetime cover, with your vet fee limit renewing every year.
How our pre-existing condition cover compares
Very few pet insurance providers cover pre-existing conditions. The ones that do sometimes make you fill out lengthy forms at the start of the policy before they decide. Comparisons correct on 30 August 2022.
| Petplan | AnimalFriends | Tesco | PetSure | ||
|---|---|---|---|---|---|
| Individual pre-existing conditions must be declared at policy start | |||||
| Conditions that occurred two years before your policy starts can be covered | Depends on insurer's decision | Depends on insurer's decision | |||
| Conditions that ended two years ago are covered as if they were a new conditions | Depends on insurer's decision |
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How pre-existing cover helps pets... and owners
Choosing a pet insurance policy that covers pre-existing conditions means that even with previously diagnosed issues, your pet can still receive financial assistance for that problem. This takes much of the financial guessing game out for pet owners worrying about getting treatment going forward.
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All our pet insurance policies offer lifetime cover
But what exactly does it mean? Well, it refers to how your vet fee cover works:
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Is it worth getting insurance for a pet with a health condition?
What does our pre-existing pet insurance cover?
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Vet visits
Any consultation or examination that isn’t a routine check up.
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Treatment
Some medications and surgery, when recommended or prescribed by a vet.
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Diagnostic tests
Including blood, urine or stool tests, plus any scans like X-rays, MRIs and CT scans.
But that’s not all we cover
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Missing pet
This is an optional add on for some of our policies including Pre-existing.
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Third-party liability
All of our policies include cover for someone taking legal action against you and your dog.
Overseas travel
You can add cover for vet fees while you’re travelling abroad with your pet as an option with some of our policies.
Emergency pet care
All our policies have some cover for looking after your pet if you have an unplanned hospital stay.
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Save on preventative care
Pre-existing conditions pet insurance FAQs
Everything else you need to know about your pet's previous conditions and how our policies cover them.
How much will pre-existing pet insurance cost?
Can you cover behavioural conditions?
Do you cover hip or elbow dysplasia in dogs?
How do pet insurers know my dog has a pre-existing condition?
Will I be covered immediately?
Is there a waiting period for bilateral conditions under the Pre-existing pet insurance policy?
Is there a waiting period for pet pregnancy?
Is pre-existing condition insurance cover the same for dogs and cats?
Are allergies considered a pre-existing condition for pet insurance?
Why don’t you cover all pre-existing conditions?
My dog has epilepsy with occasional flare-ups. It can’t be cured. Can I still buy a policy?
My German Shepherd had hip dysplasia in his left hip treated a year ago. He now has it in his right hip. Does my pet insurance cover this?
My Persian cat has a little trouble breathing. It’s an inherited condition. Is she covered for treatment by the Pre-existing policy?
Pet Health and Insurance Guides
Check out our guides for all things kitty or pooch related.
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