Are you concerned about your pet’s health and want to stay financially safe regarding its health? Does your pet often bite outsiders and pose the threat of harming them or damaging their personal belongings?
Then, the best pet insurance for pre-existing conditions is what you need at this moment. Being a responsible pet owner, you must stay beside your pet and support it, no matter what health issue or other problem crosses its path.
So, buying pet insurance is vital for you and your furry friend.
This investment not only gives you financial support for your pet in case of an emergency but also saves you from having sleepless nights in tension for your pet.
With it, you will no longer feel stressed seeing your pet’s unexpected veterinary bills, as the company will bear all of its health expenses.
Now, a question might be striking in your mind – “Which pet insurance plan would be the best one for my pet?” We suggest going through our handpicked 10 best pet insurance plans that are currently in vogue.
Then, make the decision that will be best for your pet. So, let’s start!
Pet Insurance Plan – What’s That?
Is it the pet’s health-related insurance policy that gives one hundred per cent coverage in case of your pet’s accident?
Also, you will get the amount for the significant illness of your pet or its injuries.
There are many best pet insurance plans for pre-existing conditions or insurance plans for pet damage.
The pet owners choose them according to their requirements.
Best Pet Insurance for Existing Conditions: Their Benefits –
- Financial support for your pet’s treatment in case of an emergency.
- Damage coverage in case of the unwanted acts of your pets.
- Gives you the privilege to go for advanced treatments for your pets. The treatment options for your pet will increase.
- Your stress will be reduced.
- Improved health conditions for your pet by getting routine care and treatment.
10 Best Pet Insurance Policies, 2026 – Our Picks:
1. Animal Friends Pet Insurance:
Wanna ensure your pet – cat, dog, horse, or other? Then, Animal Friends Pet Insurance is where you must go for the same. This pet insurance plan supports animal welfare.
It is one of the 10 best pet insurance companies in the UK, whose plans are reliable.
Some of the awards it has won so far are:
- Defaqto Pet Insurer of the Year (2025/2026).
- The Personal Finance Awards (2025/2026).
- Moneyfacts Pet Insurance 2025.
- Forbes Advisor Pet Insurance (Best of 2022).
- Finder Awards 2022
This company gives pet insurance coverage for accidents and health-related problems. Also, they give coverage for the wellness care of pets.
However, the expenses for pre-existing conditions are not covered after two years.
Trustpilot Rating – 4.5/5.
Website Link – www.animalfriends.co.uk
2. Petplan:
Looking for top-rated pet insurance plans in the UK? Need plans that would cover the expenses of your pet’s accidents, diseases and wellness care?
Then look no further than Petplan. This insurance plan for pets also facilitates coverage for pets with pre-existing conditions.
However, your pet will be privileged to meet its health expenses from this company only after a two-year waiting period.
The premium deducted would vary depending on the package. The reimbursement amount would depend on the package you choose.
Going to ask for a quote from this company? Good luck! You could get a free food bill for your pet for one year.
Trustpilot Rating – 4.7/5.
Defaqto Rating –
- 3/5 for Essential Plan.
- 5/5 for Covered For Life Plan.
Website Link – www.petplan.co.uk
3. ManyPets:
Wondering if this pet insurance plan would be applicable for pre-existing conditions?
Well! It doesn’t give coverage in case of pre-existing conditions of your pets. But it helps keep thousands of pets healthy with proper treatment in case of any sudden health problems.
The awesome customer service of this insurance company, which is considered among the 10 best pet insurance providers by pet lovers, has won the hearts of nearly all its customers.
The expected reimbursement amount is 70 – 100 per cent. Your pet will get it in case of an accident or medical condition. The exact percentage would depend on the package you have bought.
Trustpilot Rating – 4.1/5.
Website Link – www.manypets.com
4. AXA Pet Health Insurance:
Wanna give your four-legged child the best treatment in the world whenever they face any illness? AXA Pet health insurance policies care for your pet. It offers unique pet insurance plans for dogs and cats.
So, whenever your pet meets with any accident or disease, you can easily take it to the veterinary hospital and go for necessary checkups without adding to your budget.
Not only could you pay the veterinary fees with the reimbursement amount, but also give it vaccinations and other injections, if needed. This health insurance company offers 3 packages for pet benefits.
They are –
- Easy.
- Easy Plus.
- Comfort.
Suppose the total veterinary charge is €450. The Easy plan will let you fetch €300 out of €450. With Easy Plus, you will collect €360. The Comfort package will give you about €420 of the veterinary fees charged.
Website Link – www.axa.lu/en/insurance-dog-cat.
5. Agria Pet Insurance:
Wanna get peace of mind as your weak pet grows up? Looking forward to giving your pet the best care possible?
Then, the best pet insurance for pre-existing conditions is what you need for your pet. The pet insurance covers the medical expenses of your furry friend for 2 years from the date of the agreement.
The deductible premium amount is as low as £50 for budget-compliant people, and it goes up to £500 for people with a higher budget. The insurance also covers the expenses of wellness care for your pet.
With their lifetime pet insurance, your pet’s health benefits keep renewing every year. The pets, inclusive of these benefits, are –
- Dogs
- Cats.
- Rabbits.
- Horses.
Trustpilot Rating – 4.5/5.
Website Link – www.agriapet.co.uk
6. Aviva Pet Insurance:
Wanna keep your furry partner in good hands? Then you may trust Aviva Pet Insurance for long-term benefits for your pets. It’s a multi-awarded company that offers you different-level plans for dogs and cats.
The insurance company also facilitates video consultations. You can do it through the Joii app. The app also helps you check your pet’s symptoms through a symptom checker and gives you access to veterinary health clinics.
Some of their packages for pets are –
- Accident only.
- Time-limited.
- Max benefit.
- Lifetime, etc.
Trustpilot Rating – 4.2/5.
Website Link – www.aviva.co.uk
7. Direct Line Pet Insurance:
Why is Direct Line one of the 10 best pet insurance companies? The direct answer is: that it’s excellent coverage levels that best suit your pet’s needs.
Yes, they offer two packages, and you may choose one as per your pet’s needs.
The packages are –
- Essential cover.
- Advanced cover.
The Essential cover claims 6.88 pounds per month or more. In the case of the Advanced cover, it is 11.44 pounds per month or more. With this insurance company, you are eligible discount on having more than one pet.
Trustpilot Rating – 4.6/5.
Website Link – www.directline.com
8. Churchill Pet Insurance:
Want a discount on pet insurance, and that too while sitting at home? Yes, with Churchill Pet Insurance, it is possible.
Apply online for pet insurance and get an instant 30 per cent discount on your payment. This company, like Direct Line, also offers a multi-pet discount.
Want more? The customer care helpline of this company will help you whenever you face a health issue with your pet.
They will help you find the vet and get reimbursement for vet fees. However, their insurance doesn’t support pre-existing conditions.
“Compare By Review” Rating – 6.9/10.
Website Link – www.churchill.com
9. More Than Pet Insurance:
Wanna get an instant appointment with vet professionals when your pet faces any health condition? How about ensuring the same, along with keeping your pet under a safe insurance policy?
Sign up for a policy with More Than Pet Insurance, and they will take care of your pet both physically and financially.
They give you direct access to vets whenever you need it for your pet.
They offer the following pet insurance packages: –
- Basic (Time Limited).
- Classic (Maximum Benefit).
- Premier (Lifetime).
Their policies cover the financial burden of your pet’s accidents or illnesses every year. Some of the things this insurance company doesn’t give coverage for are the expenses for –
- The pet’s vaccinations.
- It’s flea and working treatments.
- It’s grooming, etc.
Reviews.io Rating – 4.2/5.
Website Link – www.morethan.com
10. TESCO Insurance:
How about choosing the best pet insurance for pre-existing conditions for your pet that comes with club card prices?
Yes, we are talking about TESCO Insurance for pets that also comes with the facility of Vetfone 24 hours a day. The insurance packages this company offers for pets are –
- Time Limited.
- Maximum Benefit.
- Lifetime.
You’re free to choose the one that goes well with your pet’s needs. Some of the benefits of this insurance are –
- It directly makes the payments to your pet’s doctor.
- Spread your cover.
- Gives dental coverage for your pet.
- Offers multi-pet discounts.
Trustpilot Rating – 4.5/5.
Website Link – www.tescoinsurance.com.
Conclusion:
So, which of the 10 best pet insurance plans (2026) suits your pet’s needs best? Which of them do you think is giving your pet high health and wellness coverage at an affordable rate?
Let us know, and we will present you with more of the best pet insurance plans for pre-existing conditions. Bye for now! Have a nice day!
