I was looking to change my pet insurance to Waggel, price seemed competitive and cover fantastic. HOWEVER on querying ‘pre existing condition’ due to my dog being 8th old and therefore at vets on odd occasion for stomach bug or injured paw, I was told they would only assess any pre conditions upon making a claim. I asked if I could send a list from vets if all prior visits however this was not possible. Such a shame as prevents you leaving your current insurer (who I have been with for 8yrs with no problems just increasing premium) and using someone new. Unfortunately I am too suspicious of insurance companies to just ‘wait until I need to claim, as I am sure most illnesses could be linked to a previous sickness or injury