Cat flu is caused by different viruses which results in symptoms such as sneezing, a runny nose, and fever.
How long is a pre-existing condition in a cat?
At Petsure, we see a condition or symptom as pre-existing if:
- It falls within the last two years before your cover start date
- It was diagnosed over two years ago but needs ongoing treatment, check-ups, or monitoring
When declaring a pre-existing condition for your cat, the kinds of things we need to know about include:
- Any symptoms of changes in your cat’s health or behaviour
- An existing illness, injury, or physical deformity
- Whether your cat needs or has had treatment, surgery, medication, or a prescribed diet
- Check-ups, investigations, monitoring, or vet advice needed for the condition
Can I get cover for my cat’s pre-existing condition?
You could get cover for your cat’s pre-existing conditions but this has to be done through the right provider. Some pet insurers will only cover your cat for new conditions and illnesses they get after your policy start date.
If they do cover pre-existing conditions, they may put exclusions on what can be claimed. Or they might only cover a limited number of conditions and as long as there have been no symptoms for a certain amount of time.
Carefully check the policy wording to understand what can and can’t be covered for pre-existing illnesses.
Which insurance covers pre-existing conditions for cats?
Petsure is proud to be one of a select number of pet insurers that can offer pre-existing conditions cover for cats.
Our flexible cat insurance has a choice of up £1k – £15k vet fee limit with no compulsory excess or bill share, even as your pet ages.
And if you’re ever worried about your cat’s symptoms, you can get advice anytime, anywhere with free 24/7 access to UK vet video appointments.
What pre-existing conditions can be covered by cat insurance?
We consider all pre-existing illnesses, including the below conditions. You’ll just need to answer some questions about your cat’s health to see if they can be covered.
Cat flu
Cat flu is caused by different viruses which results in symptoms such as sneezing, a runny nose, and fever.
More info
Cat flu is caused by different viruses which results in symptoms such as sneezing, a runny nose, and fever.
Hyperthyroidism in cats
Hyperthyroidism in cats is a disorder where an overproduction of thyroid hormones leads to weight loss, increased appetite, and hyperactivity.
More info
Hyperthyroidism in cats is a disorder where an overproduction of thyroid hormones leads to weight loss, increased appetite, and hyperactivity.
Gingivitis in cats
Gingivitis in cats is an inflammation of the gums often caused by plaque buildup, which can result in red, swollen gums and bad breath.
More info
Gingivitis in cats is an inflammation of the gums often caused by plaque buildup, which can result in red, swollen gums and bad breath.
Cat flu
More info
Hyperthyroidism in cats
More info
Hyperthyroidism in cats is a disorder where an overproduction of thyroid hormones leads to weight loss, increased appetite, and hyperactivity.
Gingivitis in cats
More info
Gingivitis in cats is an inflammation of the gums often caused by plaque buildup, which can result in red, swollen gums and bad breath.
Watch to find out why Dr Scott works with Petsure
““I’ve teamed up with Petsure as their vet ambassador. Their insurance products could cover cats and dogs, healthy or with pre-existing conditions, old or young, with great flexibility to suit both you and them.” Dr Scott Miller, ITV This Morning vet”
Do I have to declare my cat’s pre-existing condition?
When getting a quote to cover your cat you’ll need to declare all their existing conditions and symptoms. Otherwise, you’ll risk not having proper cover for your cat if you need to make a claim one day.
Don’t forget that you’re automatically covered for new symptoms or illnesses your cat develops once you’ve passed your cooling-off period.
Our expert says…
“Your vet can help you understand if your cat has any signs of a pre-existing condition, including early symptoms or anything not yet diagnosed.
Ask them to check your cat’s medical record so you know what you need to declare when getting cat insurance.”
Allie Simpson – Pet insurance specialist
Can I switch my cat insurance to Petsure, even if my cat has a pre-existing condition?
If your cat has a pre-existing condition, you’ll need to tell us when you get a quote. If we can cover them, then you can switch to Petsure from your current provider with like-for-like cover that can start immediately.
You’ll just need to make sure you’re switching from another lifetime pet insurance policy.
Can I get multi-pet insurance for my cats if they have pre-existing conditions?
You can certainly take out multi-pet insurance if your cats have existing illnesses. The great news is you can cover up to eight pets on one policy.
You can then choose to set different cover limits to suit each individual cat’s needs.
Cover for pre-existing conditions
Petsure is a medical insurance specialist and considers all pre-existing conditions. When getting a quote, you’ll be asked about your pet’s health to see if we can cover them.
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*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.