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Pet insurance for pre-existing conditions

Choose from one of the following providers

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Petgevity


  • All pre-existing conditions considered, via straightforward online checks. Ongoing conditions can be covered year after year, as long as you keep your policy active

  • A choice of up to £15,000 vet fee cover, including cover for pre-existing conditions. The limit resets every year you renew

  • No compulsory excess or bill share as your pet ages

  • Cover up to eight cats and dogs with individual limits to suit each pet

  • Defaqto 5-star rating, 3x National Insurance Awards Pet Insurance Award (2022, 2023 & 2024), Highly Commend at the Personal Finance Awards 2025

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ManyPets


  • Cover for your pet's pre-existing condition, if they have not shown signs or symptoms and/or have not needed treatment, medication or advice for 3 continuous months before the policy starts. Ongoing chronic conditions currently being treated are excluded from the policy.

  • £1,500 cover for all pre-existing conditions in the first year of your policy. This amount resets yearly no matter how much you claim and Many Pets can continue to cover your pre-existing conditions year after year.

  • Newly diagnosed conditions are covered up to £7,000.

  • Once your pet has been treatment, medication and advice free for two years, they are no longer classed as having a pre-existing medical condition.