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Insurance For Pets With Pre-existing Conditions

•  Up to £500 cover for pre-existing conditions in the first year of your policy

•  Increase in vet fee cover for existing conditions if you don't need to claim for them

•  Up to £7,000 cover for all new conditions

•  We can't cover conditions that have received treatment, medication or advice in the three months before your policy starts

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How Our Pre-existing Cover Works

All of our policies cover conditions that ended more than two years ago and our Pre-existing policy covers more recent issues.

Our Pre-existing policy is for conditions a pet has had in the past two years, as long as they have not received treatment, medication or advice in the three months before your policy starts.

It provides £500 of cover in total for all pre-existing conditions in the first year of your policy. If you do not claim for any pre-existing 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 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, your vet fee limit will remain at or drop to £500 for pre-existing issues.

All new conditions are covered for £7,000 of lifetime vet fee cover from the start of your policy.

Pet Owners Love Our Cover

Everything about our policies and customer service has been designed to make pet insurance better for owners. We listened to thousands of cat and dog owners to create the cover they wanted but couldn't find elsewhere.

  • All policies cover conditions that ended more than two years ago
  • You can pay monthly at no extra cost
  • 15% multi-pet discount when you insure more than one pet on the same policy (our multi-pet discount is not currently available on our Value 2k policy)
  • Existing customers are never charged more than new ones
  • More than 9,000 5-star reviews in the past 12 months

Unlimited vet video calls

We've partnered with FirstVet to offer our customers unlimited free video vet appointments with UK-registered vets through their app. It's available 24/7.

Book an appointment to get advice, tips on treating minor issues at home or a second opinion on a diagnosis.

We cover the cost of the appointments to give owners immediate access to an expert. It can help avoid a stressful trip to a vet for small issues or even catch a more serious condition before it develops.

What Customers Say About FirstVet

  • Chris

    Bought By Many policyholder

    "The vet was amazing! Her advice and support for my concerns of my ragdoll were second to none."

  • Lisa

    Bought By Many policyholder

    "I have a free account courtesy of my  insurance and I would happily pay a membership, it's worth every penny."

  • Moh

    Bought By Many policyholder

    "The vet was kind and attentive. If your insurance doesn't include this then you should consider changing."

How Our Claims Are Different

  • Fully online claims with no long forms - but you still have the option to claim on the phone
  • We can pay you or your vet directly
  • 96% of claims paid between January and June 2019
  • Thousands of 5-star claims reviews from our customers including one customer who said: "Kept me in the loop throughout the process. Really kind telephone operators. Excellent experience from beginning to end."

Customer Service Awards

Feefo Gold Trusted Service Award

Review site Feefo awarded us their Gold Trusted Service Award in 2018 and 2019 because of the consistent high ratings customers give us.

Most Trusted Pet Insurance Provider

Thousands of pet owners voted us the most trusted pet insurance provider in Britain at the Moneywise Customer Service Awards in June 2019.

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  • Jennifer

    ⭐⭐⭐⭐⭐

    "The experience of obtaining a quote and taking out a policy felt like I was being guided by a friend!"

  • Gez

    ⭐⭐⭐⭐⭐

    "Extremely quick response. Kept informed of what was going on and claim settled within a few days. Impressive to say the least."

  • Lisa

    ⭐⭐⭐⭐⭐

    "Fantastic service, very easy claim procedure and all sorted within the space of a couple of days. I would definitely recommend to friends."