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Pet insurance for pre-existing conditions

Our 5 star Defaqto rated Champ plans allow you to get your cats and dogs pre-existing medical conditions covered. Our an online screening tells you immediately whether we can cover these conditions. As well as pre-existing conditions, these policies can also protect your pet from accidents and new illnesses they develop.

Defaqto 5 star rating
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What are pre-existing conditions and how does cover work?

Pre-existing cover intends to provide cover for medical issues that a pet already has. They describe any illness, injury, symptom or condition that happened or first showed signs before your policy begins – regardless of whether your pet went to the vet for it. Our full definition is shown in the FAQs below or in our policy wording.

How do insurers know about pre-existing conditions?

We’re unique in this case because we ask you to tell us what conditions your pet already has. This allows us to tell you upfront whether those conditions can be covered or not.

When this isn’t the case you might find that you’ll be on a plan which has a limit on pre-existing conditions payouts, so whilst the vet fee cover could be £7,000, you may find lower claim limits on pre-existing conditions, sometimes as low as £500.

What conditions can be covered?

While we might not be able to cover every condition, we don’t operate a flat yes or no either like other providers. Our comprehensive cover is based upon your answers to medical questions we ask. By telling us details of your pet’s illness and treatment to date we can tell you whether we can cover them. We have recently offered pre-existing cover for:

Back painCruciate ligament injuryEye infectionHeart murmurMeningitisSarcoptic mange
Broken boneCystitis
FIV (Feline)Hip replacementOtitis (ear infection)Seizure
CataractsDiarrhoeae and vomittingFood allergyHyperthyroidismPancreatitisSkin allergy
Cerebral hypoplasiaEar haematomaGastroeneteritisLamenessPatellar luxation
Corneal ulcerElbow dysplasiaHaemorrghaigc gastroenteritisLiver shuntRetinal atrophy

So whether you’ve been unable to get insurance due to your pet’s pre-existing conditions, or if you’re just looking to switch for a better deal, see how we can help.

Our pre-existing conditions cover

We have 3 levels of cover which provide vet fee cover ranging from £2,500 up to £8,000.

Champ 2.5
Vet fee cover limit
Up to £2,500per year
  • Reinstated each year.
Inner limits
Up to £2,500depending upon treatment
  • In some cases there are restrictions on certain types of treatment types which are lower than the overall cover limit. These are called inner limits.
  • Cruciate ligament: £1,000
  • MRI / CT scans: £1,000
  • Alternative treatment: £400
  • Dental treatment: £2,500
  • Diet food: £100
  • Behavioural problems: £100
Excess
£75 or £200per injury/illness per year (depending on pet age)
  • An additional excess may be required for accepted conditions. Unlike other insurers, we don't impose a coinsurance payment when claiming.
Champ 4.0
Vet fee cover limit
£4,000per year
  • Reinstated each year.
Inner limits
Up to £4,000depending upon treatment
  • In some cases there are restrictions on certain types of treatment types which are lower than the overall cover limit. These are called inner limits.
  • Cruciate ligament: £1,500
  • MRI / CT scans: £1,500
  • Alternative treatment: £750
  • Dental treatment: £4,000
  • Diet food: £100
  • Behavioural problems: £250
Excess
£75 or £200per illness/injury per year (depending on pet age)
  • An additional excess may be required for accepted conditions. Unlike other insurers, we don't impose a coinsurance payment when claiming.
Champ 8.0
Vet fee cover limit
Up to £8,000per year
  • Reinstated each year.
Inner limits
Up to £8,000depending upon treatment
  • In some cases there are restrictions on certain types of treatment types which are lower than the overall cover limit. These are called inner limits.
  • Cruciate ligament: £2,000
  • MRI / CT scans: £2,000
  • Alternative treatment: £1,000
  • Dental treatment: £8,000
  • Diet food: £100
  • Behavioural problems: £500
Excess
£75 or £200per injury/illness per year (depending on pet age)
  • An additional excess may be required for accepted conditions. Unlike other insurers, we don't impose a coinsurance payment when claiming.

Why choose pre-existing conditions pet insurance with us?

We were the first insurer to offer online screening of your pet’s pre-existing conditions, allowing us to give you an instant decision on whether we can insure your pet’s conditions or whether we would offer cover excluding those conditions.

Our online medical screening gives us a comprehensive view of your pet’s condition and allows us to cover some pre-existing conditions which might be automatically excluded elsewhere.

As a member you’ll also receive a number of benefits such as access to our 24/7 pet Careline and a simple way to claim where we can pay directly to your vet.

What our customers say about us

Pre-existing condition cover protects against...

Our pre-existing conditions plans cover vet fees for accidents and illnesses that your pet already has or may develop whilst under cover. We have 3 cover levels with £2,500, £4,000 or £8,000 of vet fee treatment covered per year.

...and what's not covered?

In some cases there may be some pre-existing conditions that we are unable to cover. For example those that are persisting for a long time or recurring, those where test results are outstanding or where you haven’t yet consulted a vet. We can tell you during your online quote.

There are also some exclusions on our policies, such as specific dog breeds and treatment types. For full details see our policy exclusions.

Switching from another provider

Research show that 78% of UK pet owners* would consider switching insurers if their pet’s pre-existing conditions would continue to be covered.

Our online screening will tell you immediately if we can cover your pet and what’s more we won’t impose a waiting period when switching to us.

Find out how to switch pet insurance.

 

*Pet Insurance Survey 2016

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Multi-pet discount

If you’re insuring 2 or more pets then you’ll receive a 10% discount off your total insurance premium. The offer applies to our Bronze, Silver, Gold, Premier and Premier Plus cover and will be deducted when calculating your quote.

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97% claims paid

If the unfortunate situation arrives where you need to make a claim on your policy, we can assist by paying your claim fast and efficiently and often payments can be made directly to your vet – so long as you and they agree. In 2019 we paid 97% of all claims made.

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Switch without the wait

It hasn’t always been easy to switch your pet cover, but we’re changing that. Most providers will impose a 14-day wait time for illnesses if you switch, but so long as you are an existing pet insurance holder when you switch to us, we won’t.

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No co-insurance

Co-insurance is a payment in addition to the excess that’s shared between you and an insurer which splits the cost of claims, usually it’s an 80/20 split.

We want you to know exactly what your costs will be so we don’t impose a co-insurance payment on any of our plans.

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24/7 Careline access

The Scratch & Patch Careline which is available 24 hours a day, 7 days a week, is included for all cover levels. Our friendly UK based team are available whether you’re looking for pet care advice or looking for assistance with a quote or a claim.

Pre-existing cover FAQs

How are pre-existing conditions defined?
Our definition of a pre-existing condition for our policies is; Pre-existing condition: An injury or illness that:

  • Happened or first showed clinical signs,
  • Has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had,
  • Is caused by, relates to, or results from, an injury, illness or clinical sign your pet had, before the start date of your pet’s first period of insurance (inception) or before the date the cover level on your policy was increased. No matter where the injury, illness or clinical signs are noticed or happen in, or on, your pet’s body.

Do I need to declare all my pet’s pre-existing conditions, or just the ones I want to cover?

You will need to declare all the conditions your pet has in order for us to understand their overall health. This allows us to determine whether or not we can cover your pet. Any pre-existing conditions which you do not declare will be excluded from cover.

In some cases you might find that we are unable to cover your pet’s pre-existing conditions, even if that’s the case then we may still be able to insure them and you’ll be shown the options available.

Will I need specialist knowledge about my pet’s conditions?
No, our quote process is straightforward and the screening doesn’t require specialist veterinary knowledge, you will be asked questions about your pet’s conditions which can then identify which policies meet your needs.

Can I get a quote whilst my pet is having a symptoms reviewed?
No, if your pet is still awaiting a diagnosis or a review of their health then we won’t be able to provide you with a quote until that review or diagnosis is confirmed.

Is my pet covered straight away?
Yes, cover starts straightaway. There is no waiting period for accidents.

If you’re new to insurance or have had a gap between your previous cover then there is a 14 waiting period on illnesses. Any illnesses that start during this time will not be covered.

However, where you are switching your cover from another insurer we will not impose the 14 day waiting period for illnesses.

What’s an excess and how does it work?
An excess is a compulsory payment made by you.

Our excess also depends upon the ages of your pet. Dogs under 8 and cats under 10 will have a £75 excess per claim, whilst over these ages the excess is £200 per claim.

Under our Champ product we may impose an additional excess for accepted conditions.

If you claim under the Third Party Liability section of cover then the excess rises to £250.

How does accidental damage cover work?

The accidental damage section of our policies protect you up to the limit stated on your plan if your dog causes accidental death or injury to a person or accidental loss or damage to their property. Find out more about accidental damage cover within pet insurance.

Get a quote now

Discover a new approach to pet insurance, cover your furry friend with us today.

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