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 treatment, medication or advice for three months before your policy starts.
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 policy.
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, or in the first 14 days of the policy
Or received treatment, medication or advice in the last 24 months, or in the first 14 days of the policy
Once a condition is free from treatment, medication or advice for two years, it will be considered new.
However, this doesn't mean you can't claim for conditions that have occurred within this time.
Our Value, Regular and Complete policies will cover pre-existing conditions due to untreated signs or symptoms, or a waiting period, if treatment takes place after your pet has been on cover for 12 months.
For pre-existing conditions you'd like covered sooner, there's our Pre-existing policy.
Can I get pet insurance for pre-existing conditions?
Yes, at ManyPets you can. Our Pre-existing pet insurance covers conditions from the last two years, that you may struggle to get covered elsewhere.
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.
Your pet needs to have been free from treatment, medication or advice for that condition for three months before we can cover it. Once we cover a pre-existing condition, we’ll continue to cover it, no matter how often treatment is needed.
That’s not all. Once a condition has been free from treatment, medication or advice for two years, it’s no longer considered as pre-existing, and will be covered by the full vet fee limit of £7,000.
|Individual pre-existing conditions must be declared at policy start|
|Conditions that occurred two years before your policy starts can be covered||Depends on insurer's decision||Depends on insurer's decision|
|Conditions that ended two years ago are covered as if they were a new conditions||Depends on insurer's decision|
How pre-existing cover helps pets... and owners
All our pet insurance policies offer lifetime cover
But what exactly does it mean? Well, it refers to how your vet fee cover works:
Your vet fee limit refreshes every year, regardless of how many times you’ve claimed or what you’ve claimed for, as long as you continue to renew your policy every year with no break in cover.
You can continue to claim for a condition, over and over, year after year, up to your vet fee limit.
Is it worth getting insurance for a pet with a 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 a pre-existing policy 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 as part of your overall £7,000 vet fee limit. It’s also a lifetime policy, which means your cover will refresh every year when you renew.
Once a condition is free from treatment, medication or advice for two years, that condition will be considered new, and you’ll be able to claim for it up to your full £7,000 vet fee limit.
And once all your pet’s pre-existing conditions have been free from treatment, medication or advice for two years? You’ll be able to switch to another of our policy types for either an equal or lower level of vet fee cover.
How much will pre-existing pet insurance cost?
The cost of your cover will be based on:
Your pet’s age
Where you live
The policy type you choose - in this case 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, the Pre-existing policy 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?
Under our Pre-existing policy we can cover behavioural treatment when needed as a result of illness or injury in the last two years, when referred by your vet.
Your pet would need to be free from treatment, medication or advice for 3 months before we offer cover.
Do you cover hip or elbow dysplasia in dogs?
These are considered bilateral conditions. We can cover the affected limb under our Pre-existing policy as long as there’s been no treatment, medication or advice for three months.
We can cover the opposite limb once your pet has been insured with us for 12 months.
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 policies the waiting period is two weeks for illnesses and 48 hours for accidents. But if you previously had cover with another insurance provider and were insured with them for 12 months or more and you switch to us with no break in cover, there’s no waiting period, unless you’re claiming for pet pregnancy or a bilateral condition.
Is there a waiting period for bilateral conditions under the Pre-existing pet insurance policy?
If you’re insured under our Pre-exisiting policy, we’ll cover a bilateral condition three months after your pet last received treatment, medication or advice for it on the affected side of its body.
The same condition on the opposite side of your pet’s body won’t be covered for 12 months from the date you’re insured with us.
Is there a waiting period for pet pregnancy?
Yes, there’s a waiting period. We can cover first pet pregnancy complications once your cat or dog has been insured with us for 6 months or more.
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 policy, then yes, it would be considered a pre-existing condition.
In that case, our Pre-existing condition policy could cover it as long as the allergies have been free from treatment, medication or advice for 3 months at the time of policy purchase.
Why don’t you cover all pre-existing conditions?
We cover all pre-existing conditions, with limits only around when you can claim for them.
For example: All our policies cover pre-existing conditions once two years have passed, with no signs or symptoms, treatment, medication or advice.
For conditions that have occurred within the last two years, there’s our Pre-existing policy. Your pet’s condition will need to have been free from treatment, medication or advice for three months before we can cover it.
For bilateral conditions, we’ll cover the opposite unaffected side of your pet’s body 12 months after you’ve purchased cover.
My dog has epilepsy with occasional flare-ups. It can’t be cured. Can I still buy a policy?
Conditions like epilepsy usually need regular medication or checkups, which make them a chronic condition.
In order to be covered, a condition needs to be free from treatment, medication or advice for three months before your policy 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 problems 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.
Most pet insurers would automatically class your shepherd’s right hip as a pre-existing condition because he’s already been diagnosed for his left hip a year ago.
But we don’t think that’s fair. So at ManyPets we’ll cover the right hip after 12 months of being insured with us, as long as it had no signs or symptoms, medication, advice or treatment in the two years before buying your policy.
If it was noticed and diagnosed when the left hip was, it’s part of the same condition, and would be treated in the same way as that.
My Persian cat has a little trouble breathing. It’s an inherited condition. Is she covered for treatment by the Pre-existing policy?
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 or symptoms, advice, medication and treatment for three months for us to cover her breathing problems.