Can I switch to ManyPets if my pet has a pre-existing condition?

Yes, you can switch to us even if your pet has a pre-existing condition, but it may not be covered. All our plans cover conditions that ended more than two years before your plan started*, while our Standard Care Pre-existing plan can cover conditions once they’ve been free from signs, symptoms, treatment, medication or advice for three months. Just please be sure to read your handbook in advance. It’ll help you know what’s covered and what isn’t. *Cover for conditions without signs, symptoms, treatment, medication or advice for two years before policy start date. R ead your handbook for exclusions and full terms.

Can you cover a pre-existing condition my pet has recovered from?

Yes, our plans can cover historic pre-existing conditions if enough time has passed since your pet last showed symptoms, signs, treatment, medication or advice. All of our plans cover conditions that ended more than two years before your policy start date.* If your pet recovered more recently, our Standard Care Pre-existing plan covers conditions that ended at least three months before your policy starts, for up to £1,500 as part of an overall £7,000 vet fee limit.** Please read your handbook for exact cover terms. *Cover for conditions without signs, symptoms, treatment, medication or advice for two years before policy start date. Read your handbook for exclusions and full terms. **Cover for conditions without signs, symptoms, treatment, medication or advice for three months before policy start date. Read your handbook for exclusions and full terms.

Which pre-existing conditions can't be covered?

We can't cover chronic conditions under our Standard Care Pre-existing plan. These are conditions that can't be cured and need ongoing treatment, check-ups or medication. We also can't cover bilateral conditions - a medical issue or disease that affects both sides of the body, like both knees, ears, eyes, or kidneys - that have occurred at any point in the past, even if only one side of your pet's body has been affected so far. Read your handbook for exact cover terms.

Is diabetes or conjunctivitis considered a pre-existing condition?

It depends on the individual circumstances. Typically, diabetes is considered a chronic condition with ongoing treatment, so we’d class it as a pre-existing condition, meaning it’s unlikely to be covered as a new condition. Conjunctivitis, however, is more likely to get cover if it ended more than two years before your policy starts and hasn’t shown any symptoms, signs or received treatment, medication or advice. If it’s a more recent condition, our Standard Care Pre-existing plan could cover it once your pet has been free from signs, symptoms, treatment medication or advice for three months. Please read your handbook for exact cover terms.

How do I check if my pet's condition will be excluded before I buy?

For the full terms for what is and isn't covered in your plan, you can read our handbook before you buy. If you're still unsure how a specific condition would be treated, just give us a call; we can talk you through it before buying.

Will I be covered immediately if I switch to ManyPets?

For all our plans, there's a 14-day waiting period for illnesses and 48 hours for accidents. For pet pregnancy under Complete Care, the waiting period is 6 months. We’ll waive your waiting period if you’re switching from another insurer you've been with for 12 months or more, with no break in cover, except in the case of pet pregnancy claims.

How much will pre-existing pet insurance cost?

The cost of your cover will be based 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?

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?

We usually cover them if we don't consider them pre-existing conditions. But remember to read your handbook to check.

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?

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?

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.

Pet insurance for pre-existing conditions

Name: Pet insurance for pre-existing conditions
Brand: ManyPets
Rating: 4.6 (20657 reviews)

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Understanding pet insurance for pre-existing conditions

Why choose a ManyPets plan for your tailmate?

Our Standard Care Pre-existing plan covers more recent conditions

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Complementary treatments

Lifetime plans

Emergency pet care

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Why choose a ManyPets plan for your tailmate?

We cover most pre-existing conditions (but not all of them)

Chronic conditions

Pre-existing bilateral conditions

We cover most pre-existing conditions (but not all of them)

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How pre-existing cover helps tailmates... 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.