Pre-existing Policies explained

Firstly, what is a pre-existing condition?

A ‘pre-existing condition’ is any injury or illness that’s needed treatment, medication or vet’s advice in the last 24 months. A lot of insurance companies won't cover a condition again if it happened in the past. At ManyPets however, we might be able to help.

 

How does our Pre-Existing policy differ from our standard policies?

The main difference is that our standard policies don’t give cover for pre-existing conditions. So, if your pet needs treatment, medication, or advice for a condition they’ve had in the last 24 months, you might lose out. Our Pre-Existing policy however was specifically designed to offer cover for situations just like this.


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

Your pet's pre-existing condition must have been free of medication, treatment and advice for at least 3 months, even if this overlaps with the start of your cover. If your pet needs treatment within this time, the 3 month counter starts again.

 

Vet fees:

- Lifetime cover up to £7,000 per year for new conditions. It resets every year.

- Pre-existing conditions have a shared limit of £1,500 which also resets each year.

 

Excess:

- For pets under 9, you can choose between £69, £99, £130 or £160 per year, or £69, £99, £130, or £160 per year plus 20% of each claim.

- For pets over 9, you can choose between £69, £99, £130 or £160 per year, however a 20% co-payment will be included as standard.

 

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

Your pet's pre-existing condition must have been free of medication, treatment and advice for at least 3 months prior to the start date of the policy. Unfortunately you would have to wait until the condition has been 3 months clear before starting your Pre-Existing policy.

 

Vet fees:

- Lifetime cover up to £7,000 per year for new conditions. It resets every year.

- Pre-existing conditions have a shared introductory limit which increases each year you don’t claim: £500 (year 1), £1,000 (year 2), £7,000 (year 3 onwards). This policy only includes £500 of cover across all pre-existing conditions in the first year. This limit increases if no claims for any pre-existing conditions are made.

 

Excess:

- For new condition claims for pets under 9, you can choose between £99 per year, or £99 per year plus 20% of each claim.

- For pre-existing condition claims, the excess is fixed at £99 per year plus 20% for pets under 9.


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