# What are pre-existing conditions on pet insurance?

> Quick answer · Last updated 4 July 2026

Canonical HTML: https://moneyguide.org.uk/answers/what-are-pet-insurance-pre-existing-conditions/
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## In short

Illnesses, injuries or symptoms your pet had before the policy started or during the initial waiting period — most UK policies exclude them permanently, including related conditions a vet links to the original problem.

Insure while your pet is young and healthy to minimise exclusions.

Waiting periods are typically 10–14 days for illness; accident cover may start sooner.

See compare pet insurance guide before switching providers.

## Related

- [Compare pet insurance](https://moneyguide.org.uk/insurance/compare-pet-insurance-guide/)
- [Pet insurance explained](https://moneyguide.org.uk/insurance/pet-insurance-explained/)

## Primary source

moneyhelper.org.uk/en/everyday-money/insurance/pet-insurance

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.