Vet fees up to £15,000
To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.
To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.
Design your own pet insurance
Policies as unique as your pet. Set your own limits, excess and optional extras, for cover as snug as a collar.
Policies as unique as your pet. Set your own limits, excess and optional extras, for cover as snug as a collar.
Switch with unbroken cover
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away.**
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away.**
Vet fees up to £15,000
More info
To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.
Design your own pet insurance
More info
Policies as unique as your pet. Set your own limits, excess and optional extras, for cover as snug as a collar.
Switch with unbroken cover
More info
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away.**
Here’s what we mean by pre-existing condition at Petgevity:
By ‘anything’, we mean:
Other insurers might define an existing condition differently.
When you take out a Lifetime Plus policy with us, your Confirmation of Cover will list the conditions we’ve agreed to cover, or not cover. We’ll only pay claims for pre-existing conditions we’ve agreed to cover. On the other hand, we won’t pay claims for anything you haven’t told us about or not covered.
At Petgevity, we’re proud to be one of only a handful of insurers that can cover pets with pre-existing conditions with our Lifetime Plus for cats and Lifetime Plus for dogs policies.
This cover is subject to acceptance, of course. You need to declare any medical conditions when applying for a policy If these are accepted, then they’ll be shown on your Confirmation of Cover. Without this, you won’t be protected for those conditions.
Be aware that some insurers don’t cover pre-existing conditions at all, while others might have limited cover. For example, some might impose a compulsory excess.
We offer the most comprehensive type of cover. This is Lifetime Plus pet insurance, which covers vet fees up to £15,000. Plus you’ll be able to use your vet fee limit towards claims on most pre-existing conditions, provided they’re declared and we’ve agreed to cover them.
It’s worth noting that some conditions, treatments and investigations have limits. This means there’s a maximum amount which can be paid out if you make a claim. Be sure to check these in your policy wording.
Common conditions that dog owners claim for include:
Check out our dog insurance for pre-existing conditions page for a more comprehensive list.
Common conditions that cat owners claim for include:
See our cat insurance for pre-existing conditions page for a fuller list.
Having comprehensive cover for those unexpected scrapes can help give you peace of mind while your pet continues living their best lives. Discover flexible pet insurance that protects the important four-legged members of your household.
Dog cover
Cat cover
Multi-pet cover
Dog cover
Cat cover
Multi-pet cover
If you choose Petgevity Lifetime Plus to protect your pal, you get much more than just cover for vet fees. Here’s what’s included in our policy.
Dental accident
Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.
Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.
Behavioural treatment
Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).
Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).
Complementary therapy
As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).
As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).
Emergency care
If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.
If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.
Third-party liability for dogs
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
Choice of optional extras
Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.
Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.
Dental accident
More info
Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.
Behavioural treatment
More info
Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).
Complementary therapy
More info
As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).
Emergency care
More info
If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.
Third-party liability for dogs
More info
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
Choice of optional extras
More info
Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.
Defaqto 5 star rating when you choose vet fees over £4,000 with all optional add-ons included.
Basic cover alone has 3 star rating
Three-time winner National Insurance Awards Pet Insurance Award 2022, 2023 & 2024
Awarded Best Pet Insurance Provider at The Times Money Mentor Awards 2024
Tell us about your pet’s conditions
We ask a few questions about your pet’s health over the last two years. Once you’ve answered these, we’ll let you know if we’re able to cover their conditions.
Claim multiple times in a year, up to your chosen limit
You can make a claim multiple times in a year for conditions we’ve agreed to cover, up to your annual limit – giving peace of mind if their condition continues or worsens.
For each year you renew, your vet fee limit resets
If you stay with Petgevity on renewal, the amount you’ve claimed towards your limit refreshes. This means you’ll be covered for repeated illnesses.
If we’ve agreed to cover any pre-existing conditions on your policy, you can claim up to your vet fee limit for:
Plus you’ll be covered if your pet develops new symptoms or conditions after you’ve taken out the policy. As well as resolved conditions that don’t need further medication, check-ups, or tests.
Unless you declare your pet’s conditions, and we accept them, they won’t be covered. We’ll confirm your pet’s accepted conditions in writing.
The following won’t be covered by a Petgevity Lifetime Plus pre-existing conditions policy:
|
ManyPets | Petplan | Agria | |
|---|---|---|---|---|
| Maximum vet fees | £15,000 per year | £20,000 per year | £12,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | ||||
| No compulsory excess? | ||||
| No compulsory co-payments for older pets? | 20% (from age 7) | 20% (from age 7) | 20% (from age 9) | |
| Tailor limits per pet on a multi-pet policy? | ||||
| Dental treatment for accidents? | ||||
| Behavioural treatment and complementary therapy? |
|
|
ManyPets | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | 20% (from age 7) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
|
|
Petplan | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £12,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | 20% (from age 7) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
|
|
Agria | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | 20% (from age 9) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| 20% (from age 7) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £12,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| 20% (from age 7) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| 20% (from age 9) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
†For Lifetime Plus policies only – details correct 6 January 2026 via competitor websites. Competitor products are subject to their own T&Cs and can have different limits and requirements for cats versus dogs at different ages. For full details, please check the relevant policy wording.
For full details of Petgevity pet insurance, please read our policy wording.
Having a pet living with a health condition can be worrying enough. So the last thing you want is wondering how to afford treatment if it gets worse.
This is why having comprehensive pet insurance in place can relieve some of the pressure. It means that if your pet’s symptoms worsen, you’ll still have more care options available.
“Managing existing costs for your pet’s condition is one thing. But you never know when things might take a turn.
“Which is why it’s good to know you have cover in place in case your pet’s health gets worse. This means you can focus your efforts on caring for them, not worrying about how to afford a pricey vet’s bill.”
Kerry Willecome, pet insurance specialist
Members of the Petgevity family get unlimited calls to experienced, UK-registered vets. Get 24/7 advice to keep your pets healthy and happy.
Yes, if you want them covered. It’s possible to cover your pet’s pre-existing conditions with Petgevity’s Lifetime Plus policy*. When you get a quote, tell us about any conditions or symptoms your pet’s developed in the last two years.
If you don’t declare any conditions, this could invalidate your policy if you need to make a claim.
If you’re not sure about whether they have any pre-existing conditions, you can ask your vet to check your pet’s health records.
When you make a claim, we get in touch directly with your vet. This is to find out more information about your pet’s health.
Vets will declare any conditions or symptoms shown on your pet’s medical history. They’re classed as a pre-existing condition if they were recorded within the last two years, and before your policy start date.
It’s usually possible to switch your pet insurance over to another provider. But it’s important to know that they might not cover any pre-existing conditions your pet has.
This is why it’s really important to do your homework. If you plan to switch, check the insurer’s policy wording carefully, keeping an eye out for any restrictions which may apply if they do offer pre-existing condition cover.
We may be able to cover your pet immediately if you’re switching to us from another lifetime pet insurer. You need to meet the following conditions for continuous cover:
If you switch but aren’t eligible for continuous cover, these waiting periods will apply once the policy starts:
There are several factors which influence the cost of your pet’s pre-existing conditions insurance. These include:
Yes! We do offer pet insurance for older dogs or older cats with an existing illness or injury, subject to eligibility.
It’s common practice for insurers to make you pay co-payments when your pet gets to a certain age. These are mandatory contributions over and above your excess amount. If you have a Petgevity Lifetime Plus policy, we won’t make you pay this.
So you’re in full control, when you set up your pet insurance with us, you choose how much you want to pay for things like your excess and voluntary bill share.
Yes. If your pet has shown symptoms or been diagnosed with an allergy in the last two years, this will count as a pre-existing condition for our purposes.
This also includes any related ongoing tests, treatment or medication.
We wish for a long, healthy life for your pet. We also understand that pet owners want peace of mind should their pet be in such a condition that it’s kinder to euthanise them.
For this reason, Petgevity policies can have the optional extra of Farewell cover. This means you’re covered if your pet dies, or needs to be put to sleep by a vet due to serious injury or illness.
With Farewell cover, you get £250 towards the cost of:
Our expert vets and behaviourists have great pointers to help keep your pet happy and healthy.
Find out why pet insurance is worth it to cover the cost of vet bills over your pet’s lifetime, plus how to pick the best type of insurance for your pet.
How to make vet visits less stressful for your pet
If your best pet pal gets nervous seeing the vet, you’re not alone. Learn how to make vet visits less stressful with these helpful tips.
†Lifetime Plus policies only
*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.
**Illnesses and symptoms won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy. This is unless you are switching from another lifetime pet insurance product with no break in cover and the claim you want to make would have been covered by your previous policy. Other exclusions may apply to other sections.
