Pet insurance for pre-existing conditions
With you, even for pre-existing conditions
Because we think all pets deserve good cover.
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Understanding pet insurance for pre-existing conditions
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What's a pre-existing condition?
A pre-existing condition is usually any medical problem your pet has had signs of, or needed vet advice, medication or treatment for, before taking out your pet insurance plan.
Every insurer talks about pre-existing conditions differently and most won’t cover them at all. This can make it tricky for some pet parents to find insurance or change to a new provider.
At ManyPets, we have two options if your pet has ever had pre-existing conditions:
All our plans cover conditions that ended more than two years ago
Our Standard Care Pre-existing plan covers more recent conditions that ended more than three months ago
Read your handbook for full T&Cs.
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Can I get pet insurance for pre-existing conditions?
All our plans cover conditions that ended more than two years ago, while our plan for pre-existing conditions (Standard Care Pre-existing) covers conditions that ended more than three months ago.
Here’s how how our Standard Care Pre-existing plan works:
We’ll give you up to £1,500 of vet fee cover for pre-existing conditions as part of an overall £7,000 vet fee limit, which you can use for new conditions.
Please read our Standard Care Pre-existing handbook for more details.
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Is it worth getting insurance for a pet with a pre-existing health condition?
A pet’s pre-existing condition can be a constant worry. When will it flare up? How pricey will the treatment be? Will they get the care they need? That’s where our Standard Care Pre-existing plan can give you peace of mind and save you shelling out a fortune in unexpected vet bills.
With ManyPets, you’re covered for up to £1,500 for pre-existing conditions that ended more than three months ago as part of your overall £7,000 vet fee limit on Standard Care Pre-existing.
It’s also a lifetime plan, which means your cover will refresh every year when you renew.
Why choose a ManyPets plan?
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Our Standard Care Pre-existing plan covers more recent conditions
That means you're not stuck with an insurer you don't want because your pet has a condition.
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Dental treatment
Cover for dental illness and accidents under your chosen plan’s vet fee limit, with Essential Care covering only dental accidents up to £1,000.
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Complementary treatments
We cover vet-recommended complementary treatment like hydrotherapy within your vet fee limit. Our complementary treatment cover ranges from £500 to £3,000 depending on your plan.
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Lifetime plans
We only do lifetime insurance. It means whatever level of cover you choose, the vet fee limit refreshes each year as long as you renew your plan. It's that easy.
Emergency pet care
All our plans have some cover for looking after your pet if you have an unplanned hospital stay.:quality(75)){kind=icon}
My Account
Manage your plan easily and get access to handpicked Perks for you and your pet with My Account.
We cover most pre-existing conditions (but not all of them)
We don’t make things difficult when you’re buying Standard Care Pre-existing. There’s no waiting around for an insurer's decision and no need to list your pet’s conditions.
But we don't cover all types of pre-existing conditions. It's why it's essential you read your handbook for full cover terms.
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Chronic conditions
We can’t cover chronic conditions. These are conditions that can’t be cured and need regular treatment, check-ups or medication.
Pre-existing bilateral conditions
Our Standard Care Pre-existing plan won't cover bilateral conditions, even if the opposite side of the body is unaffected.
Want to chat about our pre-existing conditions cover?
Our friendly team are waiting.
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How pre-existing cover helps pets... and pet parents
Choosing a pet insurance policy that covers pre-existing conditions means that even with previously diagnosed issues, your pet can still receive financial assistance for that problem. This takes much of the financial guessing game out for pet parents worrying about getting treatment going forward.
Extra Perks for you and your pet
You get more than just pet insurance when you take out a ManyPets plan. Here’s what else you can get your hands on with our Perks. Offers may change at any time. Terms apply*.
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Preventative pet care
Get discounted flea, tick and worming preventative treatment.:quality(75)){kind=icon}
Access to handpicked Perks
Save with discounts from UK pet brands
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Save on preventative care
The ManyPets Flea, Tick & Worm Plan
ManyPets' Reviews
Pre-existing conditions pet insurance FAQs
Everything else you need to know about your pet's previous conditions and how our plans cover them.
How much will pre-existing pet insurance cost?
How much will pre-existing pet insurance cost?
The cost of your cover will be based on:
Your pet’s age
Breed
Where you live
The policy type you choose - in this case Standard Care Pre-existing
How much you paid for your pet
Any extras you add on
You’ll need to weigh up whether you feel it’s worth being insured over the cost of paying for vet treatment yourself. Remember, Standard Care Pre-existing also covers new conditions (terms apply), so if your pet needs vet treatment for something new that crops up, it could be covered.
How do pet insurers know my pet has a pre-existing condition?
How do pet insurers know my pet has a pre-existing condition?
When you make a claim, your insurer will ask your vet for your pet's medical records, so they can see if they’ve had any previous injuries or illnesses.
Do you cover hip or elbow dysplasia?
Do you cover hip or elbow dysplasia?
We usually cover them if we don't consider them pre-existing conditions. But remember to read your handbook to check.
Will I be covered immediately?
Will I be covered immediately?
For all our plans, the waiting period is two weeks for illnesses and 48 hours for accidents. But we have no waiting period when you switch to us from another insurer of 12 months or more with no break in cover, unless you’re claiming for pet pregnancy.
Can you cover behavioural conditions?
Can you cover behavioural conditions?
Our Standard Care Pre-existing plan doesn't cover behaviour treatment.
Is pre-existing condition insurance cover the same for dogs and cats?
Is pre-existing condition insurance cover the same for dogs and cats?
Yes, you get the same level of vet fee insurance protection for both cats and dogs, and is subject to policy limits. Liability cover isn’t available for cats.
Are allergies considered a pre-existing condition for pet insurance?
Are allergies considered a pre-existing condition for pet insurance?
It depends. If your pet's condition ended more than two years ago, then it wouldn't be considered a pre-existing condition.
If it did show symptoms, then our Standard Care Pre-existing condition plan could cover it as long as the condition ended more than three months ago.