Bought By Many’s pre-existing conditions policy covers nearly all medical conditions that your pet has suffered from in the past, provided you haven’t received advice, treatment or medication for them in the three months prior to your policy starting.
In the first year, you’ll be able to claim up to £500 for the pre-existing condition. This increases to £1,000 for the second year if you haven’t claimed, but if you make a claim in the second year, the limit will decrease back to and remain at £500. If no claim has been made for three years, the limit increases and remains at £7,000 for the remainder of the policy. You’ll also receive up to £7,000 of lifetime vet fee cover for any new conditions your pet suffers from.
If you have a pre-existing policy, you have to pay a percentage of every claim. If your pet is under 9 years old, you have to pay 20% of the total claim. If they’re over 9 years old, you have to pay 40% of the total claim.
If your pet has a pre-existing condition but hasn’t shown symptoms of it for the last two years, your pet will be covered for that particular condition on all of Bought By Many’s other pet insurance policies and you won’t need to take out a specialist pre-existing condition policy.