Pet Insurance pre-existing condition

melbury

If your pet has not been treated for a particular condition for a couple of years, does that mean it will no longer be classed as a pre-existing condition and therefore not count against you if you want to change insurer?

Does anyone know far back insurance companies request medical history for from your vet?

chunkychocky

If it has ever been treated then it is a pre-existing condition. Sorry!

krlyr

Some insurers are happy to consider it a one-off treatment if your vet will write a letter to say as such/confirm any future condition is unrelated to that one problem, but if it was obviously an ongoing condition at the time you may find it difficult to claim for. E.g. a broken toe that took 2 months to heal but hasn't been claimed for in 2 years, if the dog was to later develop arthritis of the toe they may well deem it a pre-existing condition as it could be argued that it was a result of the break.
The problem is, many insurers will avoid giving an exact answer because a) they can't predict what conditions your dog might develop and if they do relate to previous conditions and b) they want to leave themselves open to exclude it if they think it may be a pre-existing condition.

moggymutt

Cant remember exactly what for, but I did manage, several years after illness, to get my horse back to being covered for everything. So its worth a try.

zaksmum

I think it's always classed as a pre existing condition. If you make a claim and they can wriggle out of paying by rummaging through the vet records...they most certainly will.

gettingready

Zata's insurance wanted her vet history back to when she was a puppy (she is over 6 yo now) before paying out for hip replacement. They did pay though.

melbury

Thanks for your replies, thought that was probably the case:(