What are pre-existing conditions on pet insurance?
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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.
Content updated:
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.
Primary source: moneyhelper.org.uk/en/everyday-money/insurance/pet-insurance
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