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Pet Insurance For Pre-existing Conditions

Taking out a pet insurance policy could help to protect your pet against illness, and can also cover the cost of potentially expensive emergency vet’s bills and procedures in the event of any health problems that may befall your pet in the future. Our pet insurance comparison table contains details on a number of policies currently on the market.  Please see below for more information:
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If you are looking for pet insurance for pre-existing conditions, you may find it fairly difficult to find an insurer that would be willing to offer you cover. A pre-existing condition is usually defined as an ailment or illness for which your pet has already received veterinary treatment prior to the life of your pet insurance policy.


Although finding appropriate cover for unwell pet can be a little more difficult, it is by no means impossible however. Customers are advised to shop around as much as possible and compare pet insurance quotes from providers to find an affordable deal.


As you search for a suitable policy, it is worth remembering that each provider will vary in terms of their exclusions. You should therefore thoroughly research the market before any final decisions are made. Generally speaking, there are three main types of pet insurance policy available:

  • Time-limited
    This would provide cover up to a certain amount per conditions, although you would only receive payments for up to 12 months per condition, after which the particular condition would be excluded from the policy.
  • Maximum benefit
    This would cover conditions up to a maximum amount, but there is no limit on how long you can claim for a particular condition for; however, there will be a limit to payments from the policy as a whole.
  • Lifetime policy
    This covers veterinary fees for a certain amount each year, with the amount renewing each year.
Our Top Picks
ProviderOnline DiscountMax Vet Fees CoveredAdditional Features 
10%Up to £6,500 (platinum cover)10% Multi-Pet discount . Cover for: Vet fees for illness and injury, Third party liability – up to £1 million for dogs, Boarding kennel or cattery fees – up for £1000 if you have to go into hospital for 48 hours or longer (Platinum cover only). Includes access to Pet Legal and Vet Finder helplines.Get Quotes >
15% multi-petUp to £15,000Rated 5 stars by over 4,000 customers. Choose from £3,000 to £15,000 vet fees cover/year. Zero excess available. Clear and simple policy document. UK based help teams. Easy claim process with no forms to fill. 15% multi-pet discountGet Quotes >
N/aUp to £8,0005 Star Defaqto insurance. Family approach to insurance for cats and dogs in a straightforward, easy to understand way. Multi-pet cover available without the need to have more than one policy. UK customer and claims service provides expert veterinary information and advice 24/7/365. Unlike many other pet insurers, no coinsurance or co-payment to add to your excess. Get Quotes >
Intro Discount
up to £4,00045% Introductory Discount. With multi-pet cover you can mix and match Standard or Lifetime policies too - there's even a 10% multi-pet discount when you insure more than one pet.Compare pet insurance plans online and discover which level of cover best suits your needs. We love pets and we love great value!Get Quotes >
Save up to £100 a year by switching to ASDAUp to £7,500Great value Pet Insurance. 3 choices of Lifetime cover for vet's fees up to £2,000, £4,000 and £7,500, reinstated annually and with ongoing conditions insured for life. Also 12 month Standard and Value cover availabale, and Accident Only. 24 hour vet helplineGet Quotes >
20%Up to £12,000Dog and Cat Cover - No upper age limit - Long term cover so you claim for conditions like arthritis. Vet fees paid directly - Cover for loss or theft - Vetfone is a 24 hour service offering expert advice and support about anything to do with your pets.Get Quotes >
10%Up to £8,000 per yearCover from £6.29 per month. 5* Defaqto Rated Pet Insurance. Buying Pet Insurance from PDSA means you're supporting the UK's leading veterinary charity. Pay monthly at no extra cost, we can pay your vet direct (subject to availability), access a range of pet helplinesGet Quotes >
10%Up to £14,000 per yearDog, Cat and Rabbit Cover - Petplan offers genuine Covered for Life pet insurance. Multi-Pet Discount (£12 a year per pet)90% of claims settled within 5 days - Get Quotes >
10%£7,000Prices from £4.09 for cats and £7.58 for dogs. Three levels of cover to choose from. £1,000,000 third party liability cover for dogs.Get Quotes >