Does your pet insurance cover pre-existing medical conditions?

If your pet has a pre-existing condition when you take out your policy it will not be covered.

You can still take out Accident Only, Basic, Classic or Premier cover with us if your pet has a pre-existing medical condition, however that condition will not be covered under the policy.

Our Accident Only policy will not cover any accident within the first 48 hours of the cover start date in the first period of insurance.

Each accident/injury will be covered until you reach your cover limit or 12 months from the first date of treatment, whichever happens first.

After the cover limit or 12 months is reached you cannot claim again for that accident/injury.

If your pet develops a condition after the first 14 days of the cover start date, or has an accident after the first 48 hours of the cover start date, under our Basic cover each illness or injury will be covered until you reach your cover limit or 12 months from the first date of treatment, whichever happens first.

After the cover limit or 12 months is reached you cannot claim again for that illness or injury.

If you select our Classic cover and your pet develops a condition after the first 14 days of the cover start date, or has an accident after the first 48 hours of the cover start date each new illness or injury is covered up to the vet fees limit for the entire length of the treatment. As long as your policy remains active there's no time limit but once you reach your limit we will no longer cover that condition.

If you choose our Premier cover you can claim for new illnesses that develop after the first 14 days of your cover start date.  If your pet has an accident you can claim if these happen 48 hours after your cover start date. You can pick a vet fees limit of up to £12,000 a year. Within this vet fees limit there is a £4,000 limit for each injury or illness your pet may have. Or, you can pick a £4,000 vet fees limit each year which has a £1,000 limit for each injury or illness your pet may have.

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