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Firstly, what is a pre-existing condition?
How does our Pre-Existing policy differ from our standard policies?
For new and renewing customers after the 1st of September 2022:
Your pet's pre-existing condition must have been free of medication, treatment and advice for at least 3 months, even if this overlaps with the start of your cover. If your pet needs treatment within this time, the 3 month counter starts again.
Vet fees:
- Lifetime cover up to £7,000 per year for new conditions. It resets every year.
- Pre-existing conditions have a shared limit of £1,500 which also resets each year.
Excess:
- For pets under 9, you can choose between £69, £99, £130 or £160 per year, or £69, £99, £130, or £160 per year plus 20% of each claim.
- For pets over 9, you can choose between £69, £99, £130 or £160 per year, however a 20% co-payment will be included as standard.
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