Pet insurance for pre-existing medical conditions

Get lifetime pet insurance, for cats and dogs with pre-existing conditions, from VetsMediCover[1]

Can you insure a pet with medical conditions?

You can, but most standard insurers won’t cover any pre-existing medical conditions. You'll need to find a specialist insurer if you want cover for any medical conditions your pet has.

You can still get pet insurance with run-of-the-mill pet insurers. But those pre-existing conditions will be excluded. For example, if your pet already has arthritis, your insurer wouldn’t pay out for any medical care relating to the arthritis, but it would help out if your pet needed treatment for the flu.

If your pet has a pre-existing condition, and you want cover for it, you’ll need to take out a specific type of policy that’ll cover the condition. These are hard to come by, because not many insurers offer cover. There are usually restrictions, and not every condition is covered, even with the insurers that do.

What is a pre-existing medical condition?

For a condition to be pre-existing your cat or dog must have first showed signs of it before you took out cover.

Each insurer will have their own definition of ‘pre-existing conditions’, so have a look at the policy documents from each insurer to be sure how they're defined. An issue could be classed as pre-existing if it’s caused by, results from, or is closely related to a condition your pet had before you took out cover too – it’s not always straightforward.

Pet insurance pre-existing conditions

Get a quote to cover pre-existing medical conditions

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Do I have to declare my pet’s conditions?

Yes, you need to declare any issues your pet has, or had. You can’t claim for a pre-existing condition that you haven’t declared – your claim will just get rejected.

Your cover could be cancelled too. And if that happens, your premiums could go up when you try to take out insurance again.

How to find pet insurance with pre-existing conditions

Very few insurers are prepared to offer cover for pre-existing conditions. If possible, get insurance for your pet when the animal’s young and healthy. That way if any health problems occur later in life, they'll be covered.

The drawback here is if a condition develops that’s chronic, and you want to keep being covered, you’ll have to stay with the same insurer, or find cover for pre-existing conditions.

  1. Shop around

    Try to find more than one insurer that’ll offer you cover. That way you can find the right cover for you, at the most reasonable price.

  2. Call insurers

    Even if one insurer isn’t willing to cover you, they might know another who will. Make sure the policy you choose provides all the cover you need – double check what’s included and excluded before you buy. If you’re not sure about something, just ask.

  3. Ask your vet

    You won’t be the first or last pet owner who struggles to find cover for an existing condition. Your vet might have a relationship with an insurer who can help, so it’s worth asking.

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[1] introduces customers to VetsMediCover. VetsMediCover is a trading style of One Pet One Price which is authorised and regulated by the Financial Conduct Authority.'s relationship with VetsMediCover is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites