Pet insurance
for pre-existing conditions

Lifetime 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 lifetime 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 comprehensive lifetime cover with all optional add-ons included has a Defaqto 5 star rating.

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.

Up to £15,000 lifetime vet fees

All pre-existing conditions considered*

No compulsory excess

No upper age limit

Free 24/7 access to FirstVet video consultations

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*.

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How our pet insurance stacks up

Bought By Many Waggel Animal Friends
Maximum vet fees £15k per year £15k per year £10k per year £6k 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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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 cover up to £15,000. What’s more, your pre-existing conditions* limit will be the limit of your cover. Yep, we’re fur real!

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.

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.

**No exclusion periods apply for your vet fee limit as long as you’re switching from a Lifetime policy with your current provider to one of our Lifetime policies. Other exclusions may apply to other sections.

† For Lifetime policies only – details correct as of 2 June 2021 via competitor websites. Competitor products are subject to their own terms and conditions and for full details of the Petsure pet insurance please read our policy wording.