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We can’t cover chronic conditions. These are conditions that can’t be cured and need regular treatment, check-ups or medication. We can still cover other conditions, as long as they’ve been free from signs, symptoms, treatment, medication or advice for three months before your policy starts.
Pet insurance for pre-existing conditions
With you, even for pre-existing conditions
Our Standard Care Pre-existing plan has up to £1,500 of cover for pre-existing conditions.
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What is a pre-existing condition?
In the world of pet insurance, a pre-existing condition is usually classed as 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.
At ManyPets we don’t think that’s very fair, so we do it a little differently.
We only class an issue as pre-existing if your pet has:
Shown signs or symptoms in the last 24 months before the policy start date, or in the first 14 days of the plan
Or received treatment, medication or advice in the last 24 months before the policy start date, or in the first 14 days of the plan
All of our plans will cover pre-existing conditions without signs, symptoms, treatment, medication or advice for two years before the policy start date.
For pre-existing conditions that don't meet this criteria, there's our Standard Care Pre-existing plan, which covers pre-existing conditions without signs, symptoms, treatment, medication or advice for three months before your policy start date.
Can I get pet insurance for pre-existing conditions?
All of our plans can cover pre-existing conditions without signs, symptoms, treatment, medication or advice for two or more years before the policy start date.
For more recent conditions, our Standard Care Pre-existing plan covers conditions from the last two years that have been free from signs, symptoms, treatment, medication or advice for that condition for three months before your policy start date.
Here’s how it 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.
What type of pre-existing conditions do we cover?
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.
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Historical
Cover for conditions such as digestive, skin and eye problems:quality(75)){kind=icon}
Congential
Genetic conditions such as heart problems and arthritisWhat else does our pre-existing pet insurance cover?
Like our other plans, our pre-existing pet insurance is there to cover the cost of unexpected vet bills when your pet has an accident or falls ill. That can include:
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Vet visits
Any consultation or examination that isn’t a routine check up.:quality(75)){kind=icon}
Treatment
Some medications and surgery, when recommended or prescribed by a vet.:quality(75)){kind=icon}
Diagnostic tests
Including blood, urine or stool tests, plus any scans like X-rays, MRIs and CT scans.We don't cover chronic conditions
Why choose our pre-existing plan?
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For previously ill or injured pets
Get cover for your pet’s recent health conditions.:quality(75))
Unlimited, 24/7 video vet calls with FirstVet
Get advice from a UK-registered vet on your phone, day or night at no extra cost. No excess, no impact on your renewal price.:quality(75)){kind=icon}
ManyPets Perks
Access exclusive pet health extras worth up to £500, including discounted flea, tick and worming treatment, an offer on pet sitting membership and much more. Offers may change at any time. Terms apply*.:quality(75)){kind=icon}
Lifetime cover
All our plans offer lifetime cover, with your vet fee limit renewing every year.:quality(75)){kind=icon}
Missing pet
Get up to £1,500 lost and stolen cover on Standard Care Pre-existing.:quality(75)){kind=icon}
Third-party liability
All of our plans include cover for someone taking legal action against you and your dog.
EU travel
Up to £1,500 EU travel cover on Standard Care Pre-existing.
Emergency pet care
All our plans have some cover for looking after your pet if you have an unplanned hospital stay.:quality(75))
How pre-existing cover helps pets... and owners
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 owners worrying about getting treatment going forward.
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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 niggling worry. When will it flare up? How pricey will the treatment be? Will they get the care they need? That’s where Standard Care Pre-existing 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 without signs, symptoms, treatment, medication or advice for three months before your policy start date as part of your overall £7,000 vet fee limit. It’s also a lifetime plan, which means your cover will refresh every year when you renew.
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Save on preventative care
The ManyPets Flea, Tick & Worm Plan
ManyPets' Reviews
See how our pre-existing cover helped people like you.
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?
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, so if your pet needs vet treatment for something new that crops up, it could be covered.
Can you cover behavioural conditions?
Our Standard Care Pre-existing plan doesn't cover behavioural treatment.
Do you cover hip or elbow dysplasia in dogs?
No - we don't cover bilateral conditions.
How do pet insurers know my dog has a pre-existing condition?
When you make a claim, your insurer will ask your vet for your dog’s medical records, so they can see if they’ve had any previous injuries or illnesses.
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.
Is there a waiting period for pet pregnancy?
Yes, there’s a waiting period. We can cover complications arising from the first cat or dog pregnancy once your pet has been insured with us for six months or more on Complete Care only.
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 had signs or symptoms, or received treatment, medication or advice for its allergies in the two years before buying your plan, then yes, it would be considered a pre-existing condition.
In that case, our Standard Care Pre-existing condition plan could cover it as long as the allergies have been free from signs, symptoms, treatment, medication or advice for three months at the time of plan purchase.
My dog has epilepsy with occasional flare-ups. It can’t be cured. Can I still buy a plan?
Conditions like epilepsy in dogs usually need regular medication or checkups, which make them a chronic condition.
In order to be covered, a condition needs to be free from signs, symptoms, treatment, medication or advice for three months before your Standard Care Pre-existing plan starts.
My German Shepherd had hip dysplasia in his left hip treated a year ago. He now has it in his right hip. Does my pet insurance cover this?
Your dog’s hip dysplasia are what’s known as a ‘bilateral condition’, meaning something that can occur in the same body part on the opposite side of your pet’s body.
We don't cover bilateral conditions.
My Persian cat has a little trouble breathing. It’s an inherited condition. Is she covered for treatment by the Pre-existing plan?
It depends on whether it’s an ongoing, constantly managed condition or just something you’re worried will cause future issues, though she’s healthy right now.
She’ll need to have been free from signs, symptoms, advice, medication and treatment for three months before your policy start date for us to cover her on a Standard Care Pre-existing plan.
Pet health and insurance guides
Check out our guides for everything kitty or pooch-related, from their younger to their golden years.
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