A pre-existing condition is an illness or injury your pet is already suffering with before you take out a pet insurance policy. Common pre-existing conditions include diabetes, arthritis and breathing problems.
They can’t cover all conditions though, for example chronic conditions - those that last for a long time or keep coming back - and those where test results are outstanding.
In most cases, you’ll struggle to get cover for these as they can be pricey to treat - but this doesn’t mean it’s impossible to find. Some insurers will offer at least partial cover to help with the costs of treatment, while others may cover certain conditions in full.
This differs from insurer to insurer, so it’s worth contacting any potential policy providers you’re looking at if your pet has a pre-existing condition.