Pre-Existing Conditions

More information on what is meant by a pre-existing condition

Does your pet have a pre-existing medical condition?

What is meant by 'pre-existing medical conditions?'

Pre-existing conditions are usually identified by a vet in your cat or dog. We can insure your pets from 8 weeks of age, and it may be that such conditions have been present even before then. Pre-existing conditions can refer to both illnesses or injuries and can happen again, or even re-appear in a different part of your pets' body further down the line.

Will my insurance cover pre-existing medical conditions?

Unfortunately, we can't cover pre-existing illnesses or conditions that your pet suffers from. This means that as part of your insurance, we will not be able to contribute to any vet fees that have accumulated as a result of an illness that you're aware of prior to the start of your cover, or within the first 14 days of your cover.

If your vet has identified a condition in your cat or dog that you then leave untreated, this will mean that your pet has a pre-existing medical condition.

Why are pre-existing conditions not covered on pet insurance?

Pre-existing conditions aren't usually covered on pet insurance policies. With our insurance, we aren't able to include pre-existing conditions, as in order to cover them, it would require us to charge much higher premiums to all of our customers. We want to make our insurance both affordable and fair for pet owners, so that's why we'll do what we can to avoid raising our premiums.

How soon can I claim on my pet insurance for vet fees?

Once you've taken out insurance with us, we can contribute towards your pet's vet fees after the first 14 days of your cover starting. After then, we can provide up to £12,000 in annual vet fees to cover treatment for your pet – providing it doesn't relate to pre-existing conditions. As a policy holder, you'll benefit from three levels of vet fees cover, which also includes 25% towards complementary treatments that have been prescribed by your vet.

In the event of a successful claim, payment can be made either:

  • Directly into your bank account, or;
  • To your vet, if you'd prefer

What our cover includes

If you want to make sure that your pet is kept safe from harm, then our insurance can provide you with the cover you need. We can contribute to the costs of kennel or cattery fees should your pet need emergency accommodation and if your cat or dog goes missing, we can even provide up to £250 to reward whoever finds them. You’ll find that our policies offer much more to pet owners, so take a look at what we can offer you below.


Veterinary Fees

Choose from three different levels of vet fees cover, which include up to £12,000 towards your annual vet fees. We can also provide up to 25% of complementary treatments prescribed by your vet. You cannot claim for vet fees within the first 14 days of starting your cover. Cover only applies in the UK.

Paws kennel

Emergency Boarding

Suffered an accident that requires emergency treatment? If you can’t look after your pet, there’s no need to worry. We can cover the cost of daily minding or boarding fees of up to £1,500, while you’re on the mend. Cover only applies in the UK.

flight cancelled

Holiday Cancellation

Have you had to cancel or cut your holiday short because your pet is seriously ill? We can provide up to £5,000 towards the cost of a cancelled trip if your pet has gone missing or fallen seriously ill. Exclusions apply to conditions and illnesses. Cover only applies in the UK.

Dog with cone

Accident & Illness

Protect your pet with our Accident Only cover or choose our Accident & Illness cover in case they fall ill. Read more about our levels of vet fee cover and find out which suits you. Cover only applies in the UK.


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dog basket

Accidental Damage to Pet Accessories

If your pet’s cage or tracking device gets damaged or stolen, we can provide up to £500 to repair or replace it. Accessories or pet-related equipment must be owned from new and security requirements apply. Cover only applies in the UK.

driving a dog to the vet

Vet Transportation

If your vet recommends that you visit another vet or specialist for a referral, we can provide up to £200 to cover your travel fees and overnight stays to make sure you get there. Cover only applies in the UK.

looking for a lost pet

Theft or Straying Costs

If your pet has gone missing for more than 90 days due to straying or theft, we can pay you the original purchase price of your pet. Maximum amount is £1,500 and the claim must be submitted within 180 days. Cover only applies in the UK.

Help with reward for lost pet

Reward Costs

If your pet is missing, then we’ll do what we can to help. Our cover includes the cost of missing pet posters, local advertising costs and even a £250 reward. Your pet must have been missing for over 24 hours. Cover only applies in the UK.

angel wings - funeral expenses cover

Farewell Cover

We can offer up to £200 to provide the send-off your pet deserves if they sadly pass away. Farewell cover includes cremation and burial costs. Cover does not include death from a pre-existing condition or from an illness that your pet was not vaccinated for. Cover only applies in the UK.

Our optional extras

We also offer optional extras that can provide not only cats and dogs, but their owners with even more cover. Our extended cover includes up to 60 days of travel cover per trip so your pet can join you on holiday, as well as up to £2million in liability cover if your dog gets into bother with a third-party. So, if your cat is a long-time companion or your dog is a valuable work partner, our optional covers can provide even more in the way of protection for the pets who rely on you.

cat in cat carrier

Overseas Travel

We can help with the cost of vet fees abroad, as well as providing up to £1,500 to cover emergency expenses. Maximum 60 days of cover per trip.


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Dog liability

Dog Liability

Up to £2million per event in Public Liability insurance available if your dog injures someone or damages property. If your dog gets you into bother then we can help. Conditions apply.


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