Insurance For Pets With Pre-existing Conditions

• Cover for past medical issues We offer cover for past conditions as long as your pet hasn't received treatment or advice for them in the three months before a policy starts.
• Vet fees The policy also provides £7,000 of vet fee cover for new conditions. The vet fee limit for pre-existing issues starts at £500 and increases each year you do not claim.
• Comprehensive cover Farewell cover, if your pet has to be put to sleep, and liability insurance included as standard.

We provide £500 of cover in total for all pre-existing conditions in the first year of your policy. If you do not make a claim for any conditions we’ll increase your vet fee limit to £1,000 in the second year and if you still haven’t claimed we’ll up to the limit to £7,000 from year three onwards.

If you do have to make a claim in the first two years for a pre-existing condition that reoccurs, your vet fee limit will remain at or drop to £500 for pre-existing issues.

Other insurers that say they cover pre-existing conditions usually state your pet has to have recovered from them at least two years ago but we believe pet owners need an option for more recent conditions.

We do not cover conditions experienced in the three months before the start of your policy.

We have a 15% multi-pet discount for pets on the same policy.

Our policies aim to cover pets of any age. Get a quote to find out how much your Pre-Existing policy will cost.

If your pet has suffered from a condition that it recovered from longer than two years ago all of our policies should cover it. Our policies are for members only, so you'll be asked to join Bought By Many before you get a quote.

Check out our clear and simple key facts and Pre-existing policy wording document to find out what our insurance does and doesn't cover.