What is a pre-existing condition in pet insurance?

A pre-existing condition is any illness or injury that your cat or dog has shown signs of, been diagnosed with, or received treatment for before your pet insurance policy starts.

These conditions can affect whether your pet is covered, so it’s important to be clear and upfront when applying for insurance. Each provider defines pre-existing conditions slightly differently, so always check the policy wording carefully.

While pet insurance through Asda Money doesn’t cover pre-existing conditions, understanding what counts as one can help you make the right decisions for your pet’s future care.

Types of pre-existing conditions

Chronic conditions: Long-term or incurable conditions such as diabetes, epilepsy, or cancer. These conditions usually require ongoing treatment and are often excluded from cover.

Historic conditions: Previous health problems that your pet has recovered from – like a past injury or joint problem. Even if your pet is symptom-free now, these may still be classed as pre-existing depending on the insurer and how long ago they occurred.

Bilateral conditions: Conditions that can affect both sides of the body – such as hip dysplasia or eye disorders. If symptoms have shown up on one side, many insurers will consider the other side at risk and may exclude it too.

Congenital or hereditary conditions: Health issues present from birth or inherited genetically, like heart defects or certain bone disorders. These are often not covered if they were known or diagnosed before the policy was taken out.

Can you get pet insurance for cats and dogs with existing conditions?

If your cat or dog has a pre-existing medical condition, getting insurance that covers it can be challenging. While some specialist providers may offer cover for certain existing conditions, most standard pet insurers — including Asda Money — do not include pre-existing conditions in their policies.

That said, you can still take out pet insurance, and it can be a valuable way to protect against unexpected future illnesses or injuries.

For example, if your pet has diabetes or arthritis, any treatment, medication, or vet visits related to that condition won’t be covered. But if they develop a new, unrelated issue — like a skin allergy or broken bone — those future costs could still be covered under your policy.

Always check the policy wording carefully so you know exactly what is and isn’t included in your cover.

How does pet insurance for existing conditions work?

Pet insurance for pets with existing medical conditions works similarly to a standard policy, but it’s tailored to offer some level of cover for known health issues. These specialist policies often come with more terms, exclusions, or higher premiums – but they can still be a helpful option, especially if your pet needs ongoing care.

Here’s a quick look at how it typically works:

1. Disclose your pet’s medical history

When applying, you’ll need to be open about any past or current health conditions your pet has had. A specialist provider will review your pet’s history and let you know which conditions can and can’t be covered. Some may only insure a condition if your pet has been symptom-free for a set period of time.

2. Choose how to pay

Just like standard pet insurance, you can usually pay monthly or annually. Paying annually can sometimes work out cheaper, but both options keep your policy active as long as premiums are up to date.

3. Make a claim for eligible treatment

If your pet needs treatment, you may be able to claim for eligible vet bills, medication, or diagnostic tests – depending on what the policy covers. Some conditions may have limits or exclusions, so it’s useful to check the details before making a claim.

Is it worth getting pet insurance for pre-existing conditions?

If your pet has a pre-existing condition, some specialist providers may offer policies that include a level of cover for ongoing or historic medical issues.  These types of policies can often come with higher premiums and more conditions, depending on the provider and your pet’s medical history.

These are potential benefits and limitations to pet insurance that includes pre-existing conditions.

Potential Benefits

• Peace of mind – Some policies may offer cover if a condition returns or flares up, depending on the terms.
  
  
• Help with treatment costs – Some policies contribute to the cost of medication, prescription food, or vet-recommended therapies.
  
  
• Cover for new conditions – Even if an existing issue isn’t included, future unrelated illnesses or injuries may still be covered.
  
  
• Ongoing support – If your pet requires routine check-ups or treatment, insurance may help manage the costs over time.
  
  
  

Potential Limitations

• Higher premiums – Policies that include cover for existing conditions are often more expensive.
  
  
• Limited cover – Not all conditions are guaranteed to be covered.
  
  
• Exclusions for related issues – Some providers may exclude conditions that are linked to a previously diagnosed problem.
  
  
• More restrictions – These policies often come with more restrictions and fewer cover options compared to standard pet insurance.

Do I need to declare my pet’s pre-existing medical conditions?

Yes, it’s important to disclose any known pre-existing medical conditions when applying for pet insurance. Most insurers will ask about any health problems your pet has had in recent years.

You don’t need to share every detail from your pet’s entire medical history, but being honest about existing health issues helps avoid potential issues with your policy.

Failing to declare this information could invalidate your policy or lead to claims being rejected.

Do existing conditions increase premiums?

Premiums for pet insurance policies that cover pre-existing conditions are often higher than standard pet insurance.

Generally, pet insurance premiums increase annually as your pet ages. Other factors, such as any claims made during the policy period, can also affect your premium.

If you’re considering switching providers at renewal, keep in mind that existing conditions — diagnosed or suspected — may not be covered by a new insurer.