Online banking

Online banking

Showing results for 
Search instead for 
Did you mean: 

Pet Insurance

Am I covered for conditions my pet has suffered in the past?

No, unless the problems are totally unrelated. For example, if your dog cut his leg before your policy start date and this healed, and then your dog was unfortunate enough to cut his leg again, this would be classed as a new injury and would be covered under the terms of the policy (subject to the limits, excesses and exclusions that apply). However if the original cut did not heal properly and your pet needed further treatment, this would not be covered. Symptoms exhibited before the policy start date that are subsequently diagnosed are not covered either.


my dog has allergies. but i cant see where i can put them on the form

Hi lpr58 


We don't ask for your pet allergies on the quotation, to make sure we can provide the right cover for your Dog.


If you please call our helpline on 0345 078 3895 we are open Mon to Fri 8am-8pm, Sat 9am-5pm, and Sun 10am-4pm.


Hope this helps




Do we need to state what medical attention are pet has had in the past? As when I got my quote no where asked for this information, I understand my pet wouldn't be covered if she had the same incident but how do you know what she has had done? Just want to make sure it's not going to come back and bite me and if something happens she won't be covered thanks
Can I have a reply please

Hi there, I can confirm that this is not information we require. I hope this helps.





Hi could you tell me if I wanted to decrease my excess what difference apart from payment would it make to my policy 


Hi @Tom3, the terms of the policy should remain the same although this would mean less would need to be paid following a claim. However, this may have an impact on your premium and we would need to speak to you to see if this is possible. You can reach our Pet Customer Service Team on 0345 078 3895 and Lines are open Mon - Fri: 8am - 8pm, Sat: 9am - 5pm and Sun: 10am - 5pm. I hope this helps. 

Hi there I can't seem to find where to start a new thread so I'll jump on this one. If my dog has injured himself on a walk and resulted in a limp the day after I started my policy (within the 14 days) I wouldn't be able to claim. But if that healed would he be covered in future if he injured himself again even if it was the same leg? Or if god forbid he develops anything like dysplasia! As my cat who had a broken leg, a lot of insurance places won't cover ANYTHING to do with that leg be it to do with the break or not. 

Hi @RebekahE,


I'm sorry to hear that and hope your dog is ok now, unless of course this is completely theoretical!


It completely depends on what damage is done as we won't cover something that occurs from a pre-existing condition or injury. If something has happened I would advise giving our team a call and they can clarify exactly what will be covered. The team are available on 0345 078 3895 and they're open Monday to Friday 8am-8pm, Saturday 9am-5pm, and Sunday 10am-5pm 🙂


- Michelle


Thanks @MichelleC!

It's just theoretical thankfully, was just curious. I understand that with my cat he broke his leg so anything to do with that such as arthritis won't be covered by any insurance. 

It's just my dog can run around like a crazy boy and I worry if he strains or sprains his leg befire the 14 days then the insurance won't cover anything to do with him. I'll give the team a ring now. 

Thanks again 🙂