Compare existing condition pet insurance

Getting insurance for your pet's existing medical condition can be tricky. Compare policies from these companies that could still offer you cover, even if your pet has a medical condition.

9 results found, sorted by affiliated products first. How we order our comparisons. Commission earned affects the table's sort order.
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Money.co.uk Exclusive: 1st Month Free
Waggel Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£10,000 a year
Discounts
Introductory discount
1st month free for money.co.uk customers. Waggel offer a comprehensive Lifetime policy that covers reoccurring conditions and includes dental. It allows you to adjust the coverage and excess so that you can find a price to suit your budget.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks
Voted Best Pet Insurance Provider: Insurance Choice Awards 2020
Bought By Many Pet Insurance
New cover starts for pets aged from
4 weeks
Maximum vet fees
£15,000 a year
Discounts
15% multi-pet discount
Over 300,000 pets covered. 14,000+ 5* reviews on Feefo. FREE unlimited video calls with a vet, 24/7 so you can get expert advice from the comfort of your home. Lifetime policies. No cancellation fee.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts4 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts4 weeks
Direct Line Pet Insurance
New cover starts for pets aged from
8 weeks to 10 years
Maximum vet fees
£8,000 per condition
Discounts
A multi-pet discount
Get 12 months pet insurance for the price of 9 when you buy online. Introductory online discount applied over first 12 months.
If you renew this policy any conditions you have already claimed for will not be covered.
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed. Underwritten by U K Insurance Limited.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover starts10 years
Minimum cat age when cover starts8 weeks
Maximum dog age when cover starts10 years
Minimum dog age when cover starts8 weeks
Pet-insurance.co.uk Pet Insurance
New cover starts for pets aged from
5 weeks
Maximum vet fees
£4,000 a year
Discounts
10% multi-pet discount & 20% introductory discount
Pet-Insurance.co.uk offer both standard and lifetime pet insurance for dogs and cats, designed to suit your individual needs. Their policies can help protect against unforeseen Vet's Fees costs, and much more.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts5 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts5 weeks
2020 Feefo Platinum Award winner
Healthy Pets Pet Insurance
New cover starts for pets aged from
5 weeks to 12 years
Maximum vet fees
£7,500 per condition
Discounts
20% online discount
20% online discount, and as specialists, can pay the vet direct, offer free direct debiting, have 3rd party liability for dogs as standard, offer a range of cover to suit all budgets and love pets.
If you renew this policy any conditions you have already claimed for will not be covered.
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover starts12 years
Minimum cat age when cover starts5 weeks
Maximum dog age when cover starts10 years
Minimum dog age when cover starts5 weeks
Tesco Bank Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£10,000 per condition
Discounts
-
Arranged, administered and underwritten by Royal Sun Alliance Insurance Ltd.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks
Animal Friends Pet Insurance
New cover starts for pets aged from
4 weeks
Maximum vet fees
£6,000 per condition a year
Discounts
-
Award-winning specialist pet insurance for dogs, cats & horses. UK call centre. Animal Friends donates from their profits to animal welfare charities.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts4 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts4 weeks
LV= Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£10,000 a year
Discounts
10% online discount & a multi-pet discount
LV= is here when your cats and dogs need more than a little TLC - LV= can pay your vet fees directly. LV= offer pet insurance with 5 levels of cover to choose from, plus a 10% online discount.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks

Looking for another type of pet insurance?

Last updated: 27 April 2021

Can you insure a pet with medical conditions?

Finding pet insurance for pre-existing conditions is sometimes possible. But you should be aware that the majority of insurers don't cover existing medical conditions. So it might be tricky to find.

If your pet's had medical problems in the past, but has been better for a while, you may be able to find a policy which covers them for their condition. Use our comparison above to compare pet insurance.

Pre-existing conditions, UK providers will usually say, increase the risk of you needing to make a claim. Therefore, you can expect these policies to be more expensive.

Although pet insurance isn't a legal requirement, it could be very helpful financially if your pet needs veterinary treatment.

Can you get cover for your pet with existing conditions?

What conditions can you cover?

A pre-existing condition can mean several different things, and every insurer will have their own definition.

For example, it could be a condition that:

    Pre-existing conditions can fall into different categories and some are easier to find cover for than others.

      If your pet has a particularly unusual existing illness, you could try to find a specialised policy. For specialist pet insurance, UK providers are likely to charge far more than they would for standard cover.

      You'll then have to decide which is likely to be the best option. Will the specialist work out more expensive over time? Or would it be more expensive to pay upfront for the vet's bills for treatment?

      With specialist pet insurance, UK providers may also prevent you claiming for a certain period of time after taking it out. Alternatively, they might charge a much higher excess.

      Can you get a policy if your pet is ill?

      You can still easily cover your pet, even if they've got pre-existing conditions. You're likely to be able to get cover for them against things like:

        However, it's rare to find a provider offering pet insurance for pre-existing conditions. For example, if your pet has a skin problem when you take out your policy, your insurer won't cover the cost of any treatment they need for it. But they'll cover them if they develop another, unrelated illness.

        When you apply for pet insurance, pre-existing conditions that your pet suffers from must be declared. Any chronic conditions they have will be excluded from your policy.

        This guide outlines everything a pet insurance policy can cover.

        Here is how to find the right policy for your pet

        Existing condition pet insurance FAQs

        It's important to declare any issues your pet has, or has had, any conditions. If your insurer found out, your cover could be cancelled. If you've had an insurance policy cancelled, your premiums will go up significantly next time you try to take out insurance.

        If you've made a claim on your pet insurance policy, you're likely to find that it's a lot easier to stay with the same insurance company. Switching to a new one can be tricky, as a new insurer is unlikely to give you cover for the condition you've claimed for.

        However, because you've claimed, the price of your policy could rise a lot. In this instance, you may choose to switch to a cheaper insurer and lose your cover for the condition you've claimed for. Although you won't be covered for that specific medical problem, you'll still be insured for many other things that could go wrong.

        Self-funding pet insurance is where you decide not to insure certain conditions, which might be cheaper to fund yourself.

        Some illnesses can be easily treated with tablets which you can buy yourself, instead of claiming for them. You could leave some of these illnesses out of your policy, which will reduce the cost of the insurance.

        Some illnesses can be very expensive to treat, and impossible to insure. If this is the case and you're concerned that you can't meet your pet's healthcare needs, you could talk to veterinary charities to see if they can help. The People's Dispensary for Sick Animals - or PDSA - is a well-known one.

        Veterinary charities will have strict criteria around who they can help, usually based around your income and where you live. But you won't know if you qualify unless you speak to them to discuss your eligibility and situation.