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Pet Insurance for Pre-Existing Medical Conditions

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Can You Insure Pets With Existing Conditions?

It may be more difficult to get pet insurance for an animal that already has an existing medical condition, but yes, it is possible.

You will find that unfortunately, the majority of pet insurers will not cover medical conditions, but some may make exceptions. For example, some insurers may cover your pet if it has medical problems in the past, usually past a minimum amount of time where the animal has been symptom free (typically two years).

 

What Conditions Are Covered by Pet Insurance?

Currently in the UK Pet insurance market, there are no companies that will cover chronic medical conditions. Chronic conditions refer to medical problems that are long term in nature, and are conditions that the animal may suffer from for the duration of their life. 

However, there are a range of insurers who will provide cover for a pet that has historic conditions. This means a condition that your pet has experienced in the past, but no longer suffers from.

 

Is It Possible to Get Insurance If Your Pet Is Ill?

Yes, it is possible to get pet insurance for your animal to cover them against injuries or illnesses that they could end up experiencing in the future. You can also get cover to protect your pet against things such as third party liability, death, loss and theft.

Nevertheless, keep in mind that you cannot cover a pet for an existing condition.

 

Why Compare With Forces Compare?

Forces Compare was originally set up to help those in the armed forces find the best deals on a range of different insurance covers and finance options. Whilst we were founded with the intention of helping those in the armed forces, our services also extend out to veterans and civilians, helping everyone to get access to the very best finance and insurance deals.

Fill in the form at the top of this page to compare deals from over 15 different pet insurance providers. Our comparison site is free to use and provides immediate results all with no obligations. Complete our form today to compare great deals on insurance for pets with pre-existing conditions.

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Using a comparison system can compare quotes for puppy insurance or older dog insurance, kitten insurance or cat insurance, and you’ll have various levels of cover to choose from for your animal.

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It doesn’t matter whether your pet is a pedigree or a cross-breed, either – we can still help compare quotes from a panel of insurance providers to help you find a great deal.

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Pet insurance for Pre-Existing Conditions FAQs

Yes, with a number of insurers, pet insurance can be more expensive if the animal has a historic condition, due to the greater likelihood of you having to make a claim in the future.

Yes, some insurers will no longer provide death cover for a pet after it has reached a certain age. For example, if you have a dog or cat, this will usually when it reaches the age of eight years old.

No, the majority of pet insurance policies will not cover a congenital condition. However, if your animal has been symptomless for a minimum of two years, it could be possible to get cover with certain insurers.

Yes, but you may find that cover with insurers for pedigree pets can be more expensive, and there are fewer options available.

Yes, but the length of time that an existing policy will cover any new medical conditions will depend on the policy you have. For example, if you have taken out life insurance, then your animal is covered for a specified amount each year.

Yes, it is possible for you to do this, and it may work out cheaper than buying individual pet insurance policies.

If your pet has a chronic condition and it is not declared, these will be excluded from your policy, and may even invalidate claims you make in the future even if not directly related to the chronic condition.

An existing condition refers to an illness or injury that has occurred prior to an insurance policy being taken out. This will also include anything you have seen a vet about prior to getting insurance.

No, but as pet insurance can help considerably when it comes to expensive things such as vet treatment, it is worth considering.

If you need to make a claim, you will need to fill out a claim form and provide supporting documentation alongside it, which is then sent directly to your insurer.