Mello insurance guide
Switching Pet Insurance Policies
Switching can change premiums and benefits, but it may also create new exclusions or waiting periods.
Before cancelling
Get the new policy wording and schedule first. Compare exclusions, limits, excess, co-payments, and waiting periods side by side.
Protect continuity
Ask how the new insurer treats your pet’s history and whether diabetes or related signs will be considered pre-existing.
Related insurance guidance
Continue readingFrequently asked questions
What is the most important thing to check about switching pet insurance policies?
Switching can change premiums and benefits, but it may also create new exclusions or waiting periods.
Where can I find the terms that apply?
Read the policy schedule and full wording, then ask the insurer to clarify anything that could affect your pet.
Sources: policy wording from individual insurers, Financial Conduct Authority consumer guidance, and veterinary insurance information. Reviewed for clarity by the Mello editorial team. Last reviewed August 2026.