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Specialist insurance for dogs with pre-existing medical conditions


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Pet Insurance For Dog's With Pre-Existing Medical Conditions


The truth is most dogs’ pre-existing conditions are insurable. We aim to give you the best of both worlds. We’ll give you the option to include pre-existing medical conditions* and we won’t lock you into lifetime cover.


You’ll only pay the premium relevant to your dog’s medical history, which for the vast majority should provide an attractive alternative to your renewal. What's more, maintaining cover for your dog's pre-existing medical conditions gives complete peace of mind - isn't that what insurance is for?


If you’re comparing our quote with other providers remember most will exclude pre-existing medical conditions. Also look out for age stipulations, sub-limits and low cover levels which don't offer the protection their headline suggests. Another factor that's become increasingly common in pet insurance is a co-payment, which really means an excess on top of your existing excess. We don't charge this.


K9 Pet Insurance will specify how much of the premium relates to the medical condition and will give you the option to include or exclude. You'll choose your vet fee limit and you'll choose the excess*.


*Subject to our maximum underwriting boundaries




Understanding Lifetime Pet Insurance Policies


Pet insurance typically falls into two categories: -


  • Lifetime cover
  • Non-lifetime cover (sometimes called Maximum Benefit)


Lifetime cover typically gives you financial protection against any medical condition or accident that arises from the start of your first policy with an insurer, provided you continue to renew with that same insurer. It won't usually cover any conditions or related symptoms your dog suffered from prior to that first policy, commonly known as pre-existing medical conditions, and it might have a stipulation on the maximum amount payable per claim, sometimes referred to as a 'condition limit'.  


The alternative, non-lifetime cover usually means any medical conditions suffered prior to the policy inception will be excluded and any new medical conditions you claim for during the policy period (i.e. 12-months) will be excluded in the following year, even if your cover is with the same insurer.


Whilst each policy has its merits neither are ideal for the consumer.


If dog owners are taking the trouble of arranging insurance then surely vet fees have to be the number one priority, and wouldn’t you want to be covered for any condition irrespective of whether your dog has had a similar previous claim?  In every sector of insurance we are told to obtain quotes from more than one provider – so how does that sit with lifetime policies? Not only might you pay more than the alternative rate each year but then you’re down to the goodwill of your current insurer not to put up prices as your dog gets older! Are they behaving fairly? Perhaps that’s why you’re reading this today.




What Vet Fee Limit Should I Select For My Pet Insurance Policy?


K9 Pet insurance gives you the opportunity to select your own vet fee limit, up to a maximum of £10,000. You may have experienced an expensive claim already and have a rough idea or you may wish to look at the conditions which are most common to your breed and then decide. Visit our Dog Breed page for more information.


K9’s default limit of £2,000 would ordinarily cover the cost of your dog needing an MRI scan and an overnight stay at a specialist vet clinic however it wouldn’t for example cover the cost of a double-hip replacement for a German Shepherd dog suffering hip dysplasia.


Hip dysplasia affects roughly 20% of German Shepherd dogs and is where the joint’s ball and socket don’t fit together properly causing pain, arthritis, and problems walking. The cost of an operation to fix both hips will vary depending on your location but outside London you might expect to pay about £6,000.


Therefore, if you’re aware that your dog’s pre-existing medical condition may one day require expensive treatment then please consider the cost of the operation versus the cost of the extra insurance.



Many Insurers Have A Co-Pay. How Much Do I Have To Pay Towards A Claim?


In order to reduce prices many insurers offer a co-pay, which is typically 20%. This means that on top of your excess, usually £65-£100, you also have to contribute a further 20% towards a claim.


This can be very expensive and, in our opinion, goes against the principle of what insurance is supposed to do – namely reinstate capital losses.


K9 Pet Insurance do not charge a co-pay. The amount you contribute towards a claim is dictated by the excess you select. This can be as little as £50 or as much as £500.



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