Compare Existing Condition Pet Insurance

We make finding affordable pet insurance for pre existing conditions easy by helping you to compare the best quotes for existing condition pet insurance at a glance so you find cheap cover that will pay out for treatment of your pet's existing health problems in a matter of minutes.
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Does your pet have pre-existing conditions? If they have not had any symptoms or treatment for 24 months we will cover your pet.

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How to Find Pet Insurance that Covers Pre-Existing Conditions

We show you how to compare pet insurance with existing conditions cover from top UK pet insurers to make sure your family’s best friend is fully protected.

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With veterinary bills sometimes reaching into £100s or even £1,000s, you could face a financial headache if you don’t have the right insurance in place for your pet. If your pet has an existing condition, finding the right plan is even more important.

However, some providers don’t cover pets with existing conditions, and those that do still won’t pay out for health problems connected to those conditions. Instead, you need to establish which providers will insure your pet so that you can claim for unrelated health issues if/when you need to.

To make sure you get the right plan, consider exactly what condition(s) your pet has and compare pet insurance existing conditions cover to get the best policy:

1. Do you need hereditary or congenital pet insurance cover?

If your pet’s condition is a genetic feature of its breed, you’ll need your pet’s insurance policy to accept pets with hereditary illness - this is common amongst pedigree breeds, for example.

On the other hand, if they were born with the condition but it’s not connected to their breed your pet cover will need to allow for congenital illness. Congenital disorders can affect all pets including dogs, cats and large/small animals.

2. Do insurers cover other pre-existing illnesses?

Beyond hereditary and congenital conditions, consider if your pet currently has any further issues which you need to declare. These are usually split into two categories, ongoing and recurrent.

Ongoing health problems include previously broken bones and existing injuries; current health problems describe things like infections that are likely to reappear. Although you can’t get pet insurance pre existing conditions covered, most pre existing pet insurance will accept animals with ongoing or recurrent health problems as long as you declare them.

3. Find the best pet insurance for pre existing conditions

Once you’ve established exactly what conditions your pet has and which providers will still insure them, use our pre existing medical conditions pet insurance comparison to prioritise the different cover available.

Consider the maximum vets fees covered and any time limits for claims to find the best cover for your pet; make sure you’ll be protected financially and you’ll be able to get your pet the treatment they need. You should also take into account providers’ minimum excess charged and exclude any you wouldn’t be able to afford.

Finally, compare the features of each policy’s pet insurance existing illness cover against your pet’s needs and your budget. If you get a quote from each suitable provider you can be confident the best quote for existing condition pet insurance still gives your pet enough protection.

Pet Insurance Comparison

Alternative Pet Insurance Policies

You may want to compare the above pet insurance policies with the following.

Tesco Bank Extra Cover Vet Fee (£4000) No Options (Dog)

  • Get a max alternative treatment cover of £1,000 from this Extra Cover Vet Fee (£4000) No Options (Dog).
  • You have the benefit of £0 quarantine costs from Tesco Bank.
  • New customers get limitless maximum cover age.
  • Get limitless claims time limit.

Tesco Bank Extra Cover Vet Fee (£4000) All Options (Dog)

  • A £250 loss of pet passport is available.
  • This pet insurance policy has a £0 adjustment fee.
  • Number of alternative treatments of 4 is offered.
  • New customers get £200 lost pet reward.
  • £1,500 quarantine costs is available with this pet insurance policy.
  • Renewal fee of £0 is offered.

Petplan Ultimate (Cat)

  • Lost pet reward of £2,000.
  • You get 90 days overseas vets fees days.
  • This pet insurance policy gives 7 number of alternative treatments.
  • Benefit from overseas vets fees of £12,000 from this Ultimate (Cat).
  • Get an internet discount of 10%.

Saga Essential Cover (Cat)

  • You get accident & injury dental insurance from Saga.
  • Customers get transport costs of £500.
  • Unlimited claims time limit is available to customers.
  • £0 renewal fee is available to customers.

Tesco Bank Standard Vet Fee - All Options (Cat)

  • Customers get £3,000 dental fees from Tesco Bank.
  • £0 adjustment fee is offered to customers.
  • Customers get accident & illness dental insurance from the Standard Vet Fee - All Options (Cat).
  • The Tesco Bank pet insurance policy has an unlimited maximum cover age.
  • Get loss of pet passport of £250.
  • The Tesco Bank pet insurance policy has a multi-pet markdown of 10%.

Tesco Bank Extra Cover Vet Fee (£4000) All Options (Cat)

  • Take advantage of a duplicate documents fee of £0 from the pet insurance policy.
  • Customers get £4,000 dental fees from the Extra Cover Vet Fee (£4000) All Options (Cat).
  • £1,000 advertising limit is offered to you.
  • This pet insurance policy offers £1,000 cattery fees.

Animal Friends Superior Plus (Cat)

  • Animal Friends pet insurance policy has £200 lost pet rewards.
  • Loss or theft limit of £1,000 is available with Superior Plus (Cat).
  • You get £0 adjustment fee from Animal Friends.
  • Animal Friends pet insurance policy has £0 quarantine costs.
  • Overseas vets fees of £2,000 is offered.

helpucover Rabbit Insurance

  • Pay mthly rate of 0% is available with the pet insurance policy.
  • Get 10 percent internet discount from helpucover.
  • Advertising cut off point of £250 is available with Rabbit Insurance.
  • Get a lost pet reward of £250 from this pet insurance policy.