You can, but most insurers do not cover existing medical conditions.

If your pet has had medical problems in the past, you may be able to find an insurance policy that covers them by using our comparison above.

What conditions can you cover?

  • Historic conditions: These are conditions your pet had in the past but no longer suffers from.

  • Chronic conditions: These are long term medical problems your pet has when you take out cover, and are usually conditions they will have for their whole life.

You can find cover for historic conditions using the comparison above, but most insurers only cover them once your pet has been symptom and treatment free for at least two years.

There are currently no pet insurance companies that cover chronic conditions.

Can you get a policy if your pet is ill?

Yes, you can cover them against illnesses or injuries they could develop in the future, as well as things like theft, loss, death and third party liability.

However, they will not be covered for their existing conditions. For example, if your pet has a skin problem when you take out your policy, your insurer will not cover the cost of any treatment they need for it.

You must declare any conditions your pet has when you apply for cover. Any chronic conditions will be excluded from your policy.

This guide outlines everything a pet insurance policy can cover.

Existing condition pet insurance FAQs

Q

Can I insure my pet with a congenital condition?

A

Most policies do not, but some can cover conditions if your pet has been symptom free for at least two years. Find out how to find cover here.

Q

What is an existing condition?

A

It is any injury or illness that happened before you have taken out a policy, including anything you have seen a vet about in the past.

Q

Will my existing policy cover new conditions?

A

Yes, but for how long depends on your policy. Lifetime insurance covers your pet for a set amount every year; find out more about what is covered here.

Q

Does my pet legally need insurance?

A

No, you do not usually have to insure your pet, but it could save you money if your pet is ill, injured, lost or stolen.

Q

How do I claim on my pet insurance?

A

You need to send a claims form to your insurer. Here is what you need to do to make a pet insurance claim.