Pet Insurance Uk Pre Existing Conditions

Our pre existing conditions plans cover vet fees for accidents and illnesses that your pet already has or may develop whilst under cover.

Pet insurance uk pre existing conditions. Or your pet may be diagnosed with the same condition after the policy start date. Pre existing conditions uk providers will usually say increase the risk of you needing to make a claim. Unfortunately no pet insurance companies cover pre existing conditions. Ongoing chronic conditions currently being treated are excluded from the policy.

But those pre existing conditions will be excluded. Cover for your pet s pre existing condition if they haven t needed treatment or advice for three continuous months before the policy starts. 500 cover for all pre existing conditions in the first year of your policy. For instance cancer heart disease arthritis and some other very common pet ailments are considered pre existing conditions.

As a result customers may think they re trapped with the same insurer unable to change even if faced with rising higher than expected premiums. You can but most standard insurers won t cover any pre existing medical conditions. Most pet insurance policies define existing conditions as an injury or illness that. Typically a pre existing condition refers to any health complaint such as a previous injury or sickness that your pet suffered before you take out a pet insurance policy for them.

If your pet has a pre existing condition most companies will either refuse to insure your pet or offer cover that excludes treatment related to the condition. The vast majority of uk pet insurance companies do not cover pre existing medical conditions but there are exceptions. Happened or first showed signs before you took out cover has the same diagnosis as a condition your pet had before you took out cover is caused by or results from a condition your pet had before you took out cover. Finding pet insurance for pre existing conditions is possible but most insurers do not cover existing medical conditions.

Can you insure a pet with medical conditions. If you don t claim for any pre existing conditions in the first year your pre existing cover limit increases in the second year of the policy to 1 000. Some insurers do offer specified cover for pre existing conditions. According to embrace a pre existing condition is any injury illness or irregularity that your pet exhibits prior to the end of your waiting period.

If you know about these conditions you re obligated to disclose them to the insurance company. Pre existing conditions are significant problems or conditions that your pet has before you enroll him in an insurance program. These policies can be expensive but they mean your cat or dog will be covered if they have another incident caused by the same condition. You can still get pet insurance with run of the mill pet insurers.

If your pet has had medical problems in the past you may be able to find a policy which covers them by using our comparison above to compare pet insurance. Therefore expect these policies to be more expensive. For example if your pet already has arthritis your insurer wouldn t pay out for any medical care relating to the arthritis but it would. This is true even if your pet never went to the vet for this condition.

It can also relate to an injury or illness that develops as a side effect to the original pre existing condition that your pet suffered before the start of policy. You ll need to find a specialist insurer if you want cover for any medical conditions your pet has.