What is a Pre-Existing Condition in Pets?
A pre-existing condition is any illness, injury, or symptom your pet had before your insurance policy began – even if it wasn’t officially diagnosed.
This can include:
- Skin allergies
- Hip dysplasia
- Diabetes
- Urinary tract infections
- Arthritis
- And even short-term issues like vomiting or limping
Most traditional policies exclude these conditions completely – but some forward-thinking UK insurers are changing the game.
Why Traditional Pet Insurance Fails Many Pet Owners
Traditional pet insurance policies in the UK often come with a big catch – they won’t pay for any treatment related to a pre-existing condition.
That’s a heartbreaking situation if your pet:
- Was adopted with a medical history
- Had an illness a few months before getting insurance
- Has a chronic but manageable condition
This forces owners to pay out of pocket, or worse, skip treatment due to high costs.
That’s why unique pet insurance plans that do cover pre-existing conditions are gaining popularity.
UK Pet Insurance Providers That Cover Pre-Existing Conditions
Here are some standout providers in the UK who offer pre-existing condition cover – with their own terms and limits, of course.
1. ManyPets (formerly Bought By Many)
- Covers pre-existing conditions that have been symptom-free and treatment-free for 24 months
- Also offers some cover for more recent conditions if your pet has been stable for 3 months
- Simple online quote system
- Highly rated for customer service
Why it’s unique: They give second chances to pets who were previously uninsurable.
2. Petplan
- One of the UK’s most well-known pet insurers
- Generally doesn’t cover pre-existing conditions in full
- BUT may cover conditions if your pet has been clear of symptoms for 2 years
Why it’s worth mentioning: Strong for long-term support and ongoing conditions if diagnosed after coverage starts.
3. Scratch & Patch
- Offers platinum cover that includes some pre-existing conditions if they’ve been treated and symptom-free
- Their policies are underwritten by HDI Global, giving an extra layer of trust
Why it stands out: Affordable pricing and optional extras for holistic care.
What to Look For in Pre-Existing Pet Cover
Not all pre-existing condition coverage is the same. When comparing, keep an eye on:
- Timeframe since last symptoms – Some require 3 months, others 2 years
- Chronic vs. resolved conditions – Some only cover cured conditions
- Ongoing coverage – Will they still pay next year?
- Vet history transparency – Full vet records may be needed
Real-Life Example
Rosie, a 6-year-old rescue Labrador, had arthritis in her back leg. Her new owner tried getting insurance but was rejected by many providers. Finally, she found ManyPets, which agreed to cover her condition after 3 months of no flare-ups. Now, Rosie’s hydrotherapy and medications are 80% covered – and her owner has peace of mind.
Final Thoughts – Because Your Pet Deserves a Second Chance
Finding pet insurance that covers pre-existing conditions in the UK isn’t impossible – you just need to look beyond the big names. Companies like ManyPets and Scratch & Patch are breaking barriers and giving hope to pets with a medical past.
After all, your pet didn’t choose to be sick. But you can choose a policy that believes in healing, not just excluding.
So if your furry friend has a history, don’t give up. There’s a plan out there for them – and for you.
Have a Story to Share?
Has your pet been helped by an insurer that covers pre-existing conditions? Share your experience in the comments below and help other pet parents find the right path.