Get your pet’s pre-existing conditions covered

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.