Pre-Existing Condition Pet Insurance

If your pet has a medical history

If your dog has diabetes or your cat has a congenital, pre-existing medical condition, you need the services of a specialist in arranging insurance for pets with pre-existing health conditions. Here at QuoteRack, we can put you in touch with specialist insurance brokers who know exactly where to find the right policy if your pet has a poor pet health record.

In many cases, an insurer will consider the likelihood that a pet's pre-existing health problem will make the animal more or less susceptible to health problems in later life. Whilst the pre-existing medical condition will not be covered and will be specifically excluded from the pet insurance policy, it is possible to insure your pet in respect of other, unrelated health problems.

For this reason, making sure your pet's medical history is made known to your insurance company is very important. They may, possibly, want a medical report from your vet before issuing cover, but it is better to be open with the insurer than fail to disclose a material fact and run the risk of the insurance policy being voided just when you need to make a claim.

"Diabetes is very common in dogs, more so than I had realised - although the insurance cover excludes any complications arising from diabetes, I have nevertheless managed to get cover for my dog's vet's other bills."

You may also be interested to see other QuoteRack categories such as pet insurance and insuring an older pet.