Can I get pet insurance after diagnosis?

5th February 2019by Joanna White

Pet insurance can mean the difference between paying an extortionate amount of money to treat your pet and just paying the bare minimum in terms of premiums and excess fees.

If you want to avoid forking out huge sums of money every time you visit the vets with your pet, then you should ensure you have a comprehensive pet insurance policy in place.

However, there are a few things you need to be aware of when it comes to being covered on your pet insurance. If you’re wondering can I get pet insurance after diagnosis, this guide will tell you everything you need to know.

What you need to know - can I get pet insurance after diagnosis?

It’s often a known fact that very few insurers will provide cover for a claim on a pre-existing condition that your pet suffers from. However, that doesn’t mean to say you can’t get pet insurance after diagnosis, it just may prove to be trickier.

Pre-existing conditions

There are a few defining things that qualify as being a pre-existing condition:

  • A condition that occurred or showed signs of developing before you purchased pet insurance
  • An illness or injury that had the same diagnosis as a condition that your pet had before you purchased your pet insurance
  • An injury that was prominent before you took out cover

As previously mentioned, very few insurers will offer full cover if your pet has a pre-existing condition. One thing you must ensure you do however, when taking out your pet insurance policy, is that you disclose any and all conditions that your pet currently suffers from.

Without disclosing these conditions, if you go to make a claim once your policy is in place, then you’re very unlikely to be covered for it as you failed to disclose, and your insurer wasn’t aware of it.

You’ll be required to declare the following conditions if your pet suffers from them if you want to ensure that they’re covered in your policy after diagnosis.

Historic conditions – a condition that your pet once suffered from but no longer experiences any issues with.

Chronic conditions – any ongoing conditions that your pet is still suffering from at the point of which you take out the pet insurance policy.

It’s extremely unlikely that you’ll find a pet insurance provider who will cover your pet for chronic conditions as it just wouldn’t be in their interest to pay out for a claim on a condition that is already occurring. However, you may find that some providers will offer cover for historic conditions, providing that your pet has been free of any signs or symptoms of the condition for at least two years.

Declaring your pet’s pre-existing conditions

If you want to have any chance of being covered for pre-existing conditions, then you must ensure that you’re entirely honest with your pet insurer. While it doesn’t guarantee that you’ll be covered even if you tell them about the conditions, it does help to show that you’re entirely honest and truthful about anything that your pet suffers from.

If you try to make a claim for a condition that you have not disclosed, then your provider will likely reject your claim and may even cancel your policy altogether.

Cover for pre-existing conditions is also likely to be much more expensive as your pet insurance provider will expect you to be more likely to make a claim than someone without a pre-existing condition. It’s important to bear this factor in mind when looking for a policy that covers pre-existing conditions.

Conclusion - can I get pet insurance after diagnosis?

Obtaining pet insurance after your pet’s diagnosis can be tricky, but not entirely impossible. While there are dozens of pet insurers on the market, there are very few who will offer you cover for a condition that was diagnosed before you purchased your policy.

If you can’t qualify for a policy that covers pre-existing conditions, then there are still ways to get treatment for your pet. Various veterinary charities are often on-hand to help with any financial situations you may be struggling with if you can’t find a suitable insurer.

However, one of the best ways to try and get pet insurance after diagnosis is just being completely honest with your insurer about the conditions that your pet currently, or used to, suffer from.

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