Pre Existing Medical Conditions Pet Insurance

£15 cashback every year on pet insurance for pets with existing medical conditions and a 10% online discount

About this group

Do any pet insurance companies cover pre existing conditions?

Yes, there are two companies who offer pet insurance for pets with pre exising medical conditions:

  1. VetsMediCover's Gold, Platinum, and Diamond policies will cover pets aged under 8 who have not had symptoms or received treatment for their condition at any time in the past two years.
  2. Lifetime Pet Cover also covers pets who have been symptom-free for two years, and will insure pets up to any age

Why join the Pre Existing Medical Conditions Pet Insurance group?

First, to save money. Members of this Bought By Many group receive the exclusive benefit of £15 cash back each year on top of a 10% online discount when insuring their pet with VetsMediCover.

It's free to join and to get a quote, and there is no obligation to buy.

In addition to providing up to £10,000 of vet bills cover per year, VetsMediCover also provides cover for complementary treatments, dental, public liability, and pet travel.

VetsMediCover's Gold, Platinum, and Diamond policies are all "Lifetime" pet insurance policies, meaning that they continue to pay out year after year, even if a claim relates to the same condition.

Prices from VetsMediCover vary based on your pet's breed and postcode, but start at around £20 per month (based on Gold cover for a 3 year old cat in an MK postcode).

Both VetsMediCover and Lifetime Pet Cover will cover pre existing medical conditions that a pet has been free of for at least two years.

The second reason to join this group is to add your voice to other pet owners who want to send a message to insurance companies that it's time for them to change. Although we're delighted to have negotiated this offer with VetsMediCover, we believe the insurance industry needs to do much more to support pets with medical conditions and their owners.

What do other pet insurance companies do about pre existing conditions?

Most pet insurance companies in the UK refuse to cover any medical conditions a pet already suffers from at the time the policy is taken out. They might refuse to insure the pet altogether, or only offer insurance which excludes any treatment relating to the condition.

While the latter may seem like a viable option, it is highly risky as the costs of treatment for that condition could run to thousands of pounds. What's more, this caveat makes it a lot easier for the insurance company to find excuses not to pay up, even for valid claims.

The effect of insurance companies' collective failure to cover existing conditions is that many customers end up trapped with the same insurer, unable to change to another pet insurance provider, and hence exposed to whatever future price increases the insurer might see fit to impose. This issue was recently covered by a BBC Watchdog investigation into pet insurance.

We don't think this is good enough. Although historic medical conditions do make future claims more likely on average, the reality is complicated. If a dog has a condition like arthritis, a future operation is a near certainty. But other conditions, such as diabetes, can be managed with diet and exercise.

In our opinion, there is no good reason why insurance companies shouldn't evaluate the risks associated with the specific condition a pet is suffering from, and price accordingly. After all, people with medical conditions are still able to buy insurance, so why should pets be left out?

What about older dogs and cats with medical conditions?

As pets get older, it does become more likely that they will be affected by medical conditions. You can read about insurance companies who offer cover for older pets here.

Ronny Lavie By Ronny Lavie

Community questions and answers


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  • avatar for JennyJenny 1 month, 3 weeks ago

    I have a 9 year old border terrier who was diagnosed with Cushing and hypothyroidism just over a year ago. He is asymptomatic as he is well controlled with daily medication. Will any company insure him? Current company have sold me a pretty useless policy.

Dog insurancr

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  • avatar for WillowWillow 3 months, 3 weeks ago

    I need cover for my chihuhua

  • avatar for BreanBrean (Bought By Many staff) 3 months, 3 weeks ago

    Hi there Willow, Thanks for getting in touch. Does your Chihuahua have any pre existing conditions that they currently take medication for?


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  • avatar for KEITHKEITH 8 months ago



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  • avatar for KEITHKEITH 8 months ago


  • avatar for HeidiHeidi (Bought By Many staff) 8 months ago

    Hi Keith, you can call vets Medi cover directly on 0121 308 8685 to get a quote. Just advise you have come via Bought By Many to get your cash back!

Collie with epilepsy.

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  • avatar for SophieSophie 8 months, 2 weeks ago

    Sammy got diagnosed two months ago. She's on tablets for her condition.would she be alright for cover. I know I couldn't claim anything in regards to her epilepsy. Just wanted to know where I would stand with other illnesses or would you say that any problem she has with her head is cause of her epilepsy. Eg brain tumors cancer etc. Thanks.

  • avatar for HeidiHeidi (Bought By Many staff) 8 months, 2 weeks ago

    Hi there Sophie, thanks so much for getting in touch. I am really sorry to hear Sammy has epilepsy, poor pooch. So it is a bit difficult to give a yes/no answer to this question, as there will be certain things that crop up that may be related to the epilepsy, and other things may not. It may be worth giving Vets Medi Cover a call to ask about more specific things if you want to, they are very good at giving this kind of info. I hope that helps. All the very best to you and Sammy. Kind regards, Heidi

  • avatar for OksanaOksana 10 months, 1 week ago

    Hi, I have a 2 year old French bulldog, about a year ago when we took him in for his annual boosters, the vet has told up that in the future, with him being a French bulldog, he may need the upper airway surgery. I wandered, as he had not been seen for this condition or treated for it, as he had no issues with his breathing, if I take the insurance with you, and God forbid, in the future he would need surgery, would you cover it? As its a genetic thing, I wasn't entirely sure

  • avatar for HeidiHeidi (Bought By Many staff) 10 months, 1 week ago

    Hi there Oksana, I think so, but I would suggest confirming this with Vets Medi Cover (the provider for this group) directly as they will be able to give you all the information you need, plus quote you for it. You can give them a call on 0121 308 8685, advise you came from Bought By Many to ensure you get your cashback too. I hope that helps! Kind regards, Heidi

Cat with heart murmur

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  • avatar for MurtiahMurtiah 11 months ago

    I have a 2 ye 10mths old cat who was rushed to the vets as he had fluid in his lungs. He was treated and once the vet could hear his heart they said there was a slight murmur. We thought we had him insured with Pets at Home with our other cat but it seems he wasn't added. We have paid for the current cost via a credit card and will be doing the cardiologist cost on it too. Am I right in thinking that if i got insurance with this insurers and all goes well in 24 months and his condition only suddenly returned with avengeance in say 36 months of getting the policy he would then be covered for treatment just not within the initial 24 months?

  • avatar for HeidiHeidi (Bought By Many staff) 11 months ago

    Hi there Murtiah, sorry to hear your lovely cat has been poorly. Your understanding of this is correct!

Im confused about this insurance?

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  • avatar for RobRob 11 months ago

    Hi - I have been researching about cat insurance for a while now as my current one wouldn't cover payment for one of my cats when he got gingivitis last year. When you come onto this site from Facebook it clearly states "pre existing condition cat insurance" but when I read through the docs online it says you don't cover pre existing conditions?!?! Am I being thick here?

  • avatar for HeidiHeidi (Bought By Many staff) 11 months ago

    Hi there Rob, thanks for getting in touch. We can offer cover when the condition is no longer symptomatic. The specific clause is when something hasn't been treated/symptomatic for 24 months. So it wouldn't cover your cat until 2 years have passed. I am really you didn't find this clear. Kind regards, Heidi

Insurance nightmare

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  • avatar for SharronSharron 11 months, 1 week ago

    Please can anyone suggest an insurance company for my dog - front leg grew bent and was treated as a pup over 3 years ago. At last general health check and inoculation vet recorded recommendation on giving joint care medication to support and strengthen all joints - this now being classed as ongoing treatment and seem uninsurable - existing insurer has excluded both front legs. Any advice would be greatly appreciated only want the best for him.

  • avatar for HeidiHeidi (Bought By Many staff) 11 months, 1 week ago

    Hi there Sharron, thanks for getting in touch. I am really sorry but unfortunately (currently) there are no insurers that will take on and cover pre existing conditions. The group we have will cover when it hasn't been treated/symptomatic for 2 years, we hope to one day be able to offer something with a smaller timescale than that. I am very sorry we couldn't be more help! Kind regards, Heidi


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  • avatar for ChrisChris 1 year ago

    My dog has 3 legs and a touch of Arthritis which I treat myself with painkillers. Am i correct in saying my dog would not Qualify for Pre existing medical Conditions. Am i Also Correct in saying this is a Scam as most pets are treated at most vets for conditions otherwise they would not be in a job. A Preexisting medical Condition is Diagnosed by a vet is it not ??? I dont think people would make it up unless your a vet. So your wording is wrong as this is not the case as seen by other peoples posts and answers.why would a vet tell someone there pet has a Condition and then tell the owner not to treat it for 2 years i find that Very hard to swallow.

Hi is there any chance of insurance a dog with on going tablets

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  • avatar for Anne-marieAnne-marie 1 year ago

    My dog has a life illness needs daily tablets, in just this year my insurance has gone up £40 + a month I don't know how long will pay for it next year Thanks anne x

  • avatar for EricEric 8 months, 1 week ago

Dog insurance

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  • avatar for MarkMark 1 year, 4 months ago

    Hi i would like to know if i got insurance with you would my dog be covered for any stomach problems? All he had was a stomach bug not a condition. Thanks mark brogden

  • avatar for MariaMaria (Bought By Many staff) 1 year, 4 months ago

    Hi Mark, thanks a lot for getting in touch. I'm afraid I cannot answer your question as it depends on the specific circumstances of your dog and Bought By Many is not the insurance provider. You should get in touch with Lifetime Pet Cover directly at 020 3750 0022. Please let me know if you have any issues getting hold of them. I hope this help. Kind Regards, Maria

  • avatar for MarkMark 1 year, 4 months ago

    Thanks maria i will give them a call.

I don't get this ???

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  • avatar for DeborahDeborah 1 year, 5 months ago

    Okay, a friend rec. me via FB to you. I have an 8 year old mini schnauzer who HAS had a few lipomas removed in last 2 years, one HAD to be removed promptly or would have pressed on her aorta and sciatic nerve down front leg if left and got bigger and was already fast growing - was benign lipoma 18 months ago and Holly is currently fit and well. So am I correct in understanding that what you have to offer would not be of use to me ??????

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 5 months ago

    Hi Deborah, yes you are correct, we could offer cover but it would exclude any condition related to the operation or the condition. Are you currently insured and covered for the condition? We can offer a discount for Holly, you can get a quote for her here -, Sorry we couldn't be more help, kind regards, Heidi

Heart disease

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  • avatar for LindaLinda 1 year, 5 months ago

    My cat has heart disease but since being diagnosed in November and had a check up last week he is in good health. Can he still be covered ?

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 5 months ago

    Hi Linda, thank you for getting in touch. He can be covered, but the insurer would exclude anything relating to the heart condition. It might be worth giving them a call for a bit more information! All info (and contact number) can be found on here -, kind regards, Heidi

pet insurance

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  • avatar for gillgill 1 year, 7 months ago

    If you are waiting for the 24 months before you change your insurance if your dog has a pre-existing condition make sure if u take your dog for its booster and health check that they do not put in the notes that you have discussed that condition otherwise you will not be covered again as it has been discussed, just a tip for you all.

  • avatar for HeidiHeidi (Bought By Many staff) 1 year, 6 months ago

    Hi Gill, thanks for getting in touch. This group actually does cover the pre existing conditions, providing the dog has not been treated for the condition (or symptomatic) for 2 years. Though this is certainly a good tip for other providers! Kind regards, Heidi

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