Pet insurance

for pre-existing conditions

  • check icon Up to £15,000 vet fees
  • check icon All pre-existing conditions considered*
  • check icon No compulsory excess
  • check icon No upper age limit
  • check icon Free 24/7 access to FirstVet video consultations

Pet cover for pre-existing conditions

It’s time to put the spotlight on dogs and cats with pre-existing medical conditions.

You can choose vet fee cover up to £15,000. Even if your pet has a pre-existing condition that can be covered, the choice is always yours. The power is back in your paws with non-compulsory co-payments, even for older canines and felines.

Our lifetime pet insurance has a Defaqto 5 star rating when you pick vet fees over £4k with all optional add-ons included.


Why Petsure?

Take a stand with us against pet inequality. Our straightforward online checks give you a fast decision on whether we can cover your pet’s pre-existing conditions, including ones that other insurers may exclude.

Im-paw-tantly, the price you pay fairly reflects your pet’s conditions.

A picture of four Pooodle cross dogs with different coat colours running together outside

Multi-pet insurance for pre-existing conditions

Cover more than one cat or dog, even with pre-existing conditions, under the same policy thanks to our multi-pet insurance.

You can cover up to eight pets and set different cover limits for each pet to suit their needs. No need to take out individual policies, even with pre-existing conditions*.

Find out more

Compare our pet cover

petsure-white p-only-petsurelogo ManyPets Petplan Agria
Maximum vet fees £15k per year £15k per year £12k per year £20k per year
Cover for pre-existing conditions?
No compulsory excess?
No compulsory co-payments for older pets?
Tailor limits per pet on a multi-pet policy?

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†For Lifetime policies only – details correct as of 12 February 2024 via competitor websites. Competitor products are subject to their own T&Cs. For full details of Petsure pet insurance, please read our policy wording.

How can I get pre-existing conditions cover for my pet?

When getting a quote for your pet, you’ll be asked to declare medical conditions they’ve had in the last two years. You’ll also answer a few questions about their current health. You’ve got the power to tailor the policy to your pet’s needs, as well as suit your budget.

Select your preferred vet fee cover up to £15,000, decide if you’d like to pay an excess (and how much), and choose any optional add ons.

You never have to fret about any hidden costs. If your pet can be covered, you’ll be offered a clear and fair price for your policy. If you’re switching to Petsure from your current provider, your cover could start immediately**.

Has your cat or dog had an illness such as abscesses, arthritis, bronchitis, or FIV? These are some of the conditions which have been covered for other pets. You get peace of mind, and your pet can carry on being their adventurous self.

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Product facts

Yes, we do! It’s time to kick upper age limits to the curb and offer cover for pre-existing conditions*. This means you could get pet insurance if you’ve got an older cat or dog with an existing illness or injury.

Lots of insurers may make you pay mandatory contributions (known as co-payments) on top of your excess when your pet gets to a certain age – but not us.

You get to choose how much you want to pay for your excess and voluntary bill share when you set up your pet insurance.

The most comprehensive type of policy – lifetime pet insurance with up to £15,000 vet fee cover. You’ll be able to use your full vet fee limit towards claims on most of the pre-existing conditions* you’ve declared and we’ve agreed to cover. Some conditions have a maximum amount which can be paid out on a claim, so don’t forget to read about these in your policy wording.

Some other providers do not cover pre-existing conditions whatsoever. Others have limited or lower-level cover and compulsory excesses. If you think you may need cover for a pre-existing condition, be sure to carefully check the policy wording for any exclusions.

Find out more about Petsure pet insurance.

We wouldn’t cover any maintenance treatment for an existing condition. By this, we mean any repeat prescriptions, ongoing therapy treatments, scans/tests, or planned consultations that are known at the point of taking out cover with us.

We also don’t cover any pre-existing conditions if your pet has an undiagnosed condition or any pending surgery at the point of taking out cover.

We will cover worsening and new symptoms of your pet’s pre-existing conditions that have been declared and accepted by us.

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Policy documents

Policy document

*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.

**Illnesses won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy unless you are switching from another insurer on a like for like basis with no break in cover. Other exclusions may apply to other sections.