Does pet insurance cover pre-existing conditions?

Standard pet insurance almost always excludes pre-existing medical conditions. That’s because the cost of treating recurring illnesses can be very expensive.

If you’re trying to insure a pet with a pre-existing condition, there are specialist insurers out there you can approach. But there are usually exclusions and restrictions to the cover you can get for the condition.

If you buy a lifetime policy when your pet’s young, and you keep renewing the policy, you’ll be covered forany chronic health problems that come up in the future. This is the most expensive type of cover, though.

The alternative is to exclude the condition from cover altogether. And cover any medical treatment yourself. You’ll still be able to claim for any new conditions that might come up, dependent on the policy you choose.

What’s third party liability pet insurance?

Third party liability insurance covers you for your dog causing accidental injury or damage to someone, their property or pet.

This can include paying legal bills if someone takes you to court or tries to sue you due to an incident involving your dog.

Third party liability insurance doesn’t apply to cats – they’re legally regarded as ‘free spirits’.