Mello insurance guide
Pre-existing Conditions and Pet Insurance
A condition diagnosed, treated, or showing signs before a policy starts is commonly treated as pre-existing and excluded.
What counts as pre-existing?
Insurers may consider diagnosis, symptoms, investigations, medication, or veterinary advice. Definitions differ, so ask for the exact wording.
What records should I keep?
Keep invoices, clinical notes, test results, medication history, and the date symptoms first appeared. Answer application questions honestly and completely.
Related insurance guidance
Continue readingFrequently asked questions
What is the most important thing to check about pre-existing conditions and pet insurance?
A condition diagnosed, treated, or showing signs before a policy starts is commonly treated as pre-existing and excluded.
Where can I find the terms that apply?
Read the policy schedule and full wording, then ask the insurer to clarify anything that could affect your pet.
Sources: policy wording from individual insurers, Financial Conduct Authority consumer guidance, and veterinary insurance information. Reviewed for clarity by the Mello editorial team. Last reviewed August 2026.