Can you cover my pet's pre-existing condition?

We want to make better insurance for everyone. That's why we've created a new approach to pre-existing conditions for our pet insurance policies.

If you're looking to find cover for an illness or injury that has required treatment, medication or advice from the vet in the last 2 years, we may be able to help.

We've outlined some basic information on our Pre-Existing policy below.

Please note that on the 1st of September 2022 we're changing how our Pre-existing policy works. Double check the article and make sure you're looking at the right section to see what has changed. If you are an current Pre-Existing customer, these changes will take place from your renewal date.


For new and renewing customers after the 1st of September 2022

 

How much am I covered for on the Pre-Existing policy?

On our Pre-Existing policy, you have a total vet limit per year of £1,500 which encompasses all pre-existing conditions. This amount resets yearly no matter how much you claim and we can continue to cover your pre-existing conditions year after year.

 

Are there any pre-existing conditions that are not covered on this policy?

    • We cannot cover any illness or accident that has received treatment, medication or advice from your vet in the last 3 months.
    • Cover becomes available 3 months on from the last piece of treatment, medication or advice. If more is given during this time, the 3 month counter begins again from when it was received.

 

For new and renewing customers before the 1st of September 2022

 

How much am I covered for on the Pre-Existing policy?

On our Pre-Existing policy, you can claim up to £500 in total across pre-existing conditions in the first year. 

If you haven't claimed for anything pre-existing in the first year, the amount of cover will increase to £1000 in the second year.

If no claims have been made for pre-existing conditions after the first two years, the conditions can be approached as new conditions, so the normal limit of £7000 of lifetime cover can be applied.

 

Are there any pre-existing conditions that are not covered on this policy?

    • We cannot cover any illness or accident that has been diagnosed or that first occurred in the last 3 months before the policy start date.
    • We cannot cover anything your pet is currently having treatment for, or anything they have had treatment or advice for in the last 3 months.
    • This includes any medications that your pet may be receiving.
Was this article helpful?

Claiming online

Claiming online is easy, log in to My Account, select the policy you would like to make a claim against and upload your invoices, we’ll do the rest.

Make a claim

24/7 video consultations with a vet

24/7 video consultations with a vet

Find out more
App Store Google Play