Can I switch pet insurance after a claim?
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In short: You can switch, but a new insurer will treat any claimed condition as pre-existing and exclude it — often permanently. Staying on lifetime cover with the same insurer is usually better for ongoing chronic conditions despite premium rises.
Last reviewed:
Reviewed by Kaiser Khan
Compare the cost of rising premiums against self-funding treatment without cover.
A gap without insurance may reset waiting periods and widen exclusions.
See compare pet insurance guide.
Primary source: moneyhelper.org.uk/en/everyday-money/insurance/pet-insurance
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