Which Beagle conditions are still not claimable after twelve months?

We list the conditions a Beagle is documented to face, then read each insurer's own policy wording for every one. The number under each insurer is how many are still not claimable twelve months after you sign.

This page sorts on one thing only: how many of the breed's documented conditions are still not claimable after twelve months. It ignores premium, payout speed, annual limit and customer service.

Each number counts only what the insurer's own policy document states. Where a document is silent on a rule, the row says so instead of guessing.

How each number is counted

A condition counts as not claimable when any of these is true on day 365: the waiting period for its class has not passed, the policy excludes it by breed or by age, the policy does not cover its category at all, or the condition is usually bilateral and this insurer treats the second side as pre-existing.

• Figo
  • covered an ear infection: Covered after the 14 day waiting period. This comes from the policy’s general illness rule; it names no separate rule for this class. (Definitions 44, Waiting Period, page 3 of 13; What We Cover, Illnesses including Genetic Conditions, page 4 of 13)
  • covered a dog carrying too much weight: Covered after the 14 day waiting period. (Definitions 44, Waiting Period, page 3 of 13; What We Cover, Illnesses including Genetic Conditions, page 4 of 13)
  • covered a fatty lump under the skin: Covered after the 14 day waiting period. (Definitions 44, Waiting Period, page 3 of 13; What We Cover, Illnesses including Genetic Conditions, page 4 of 13)
• Lemonade
  • covered an ear infection: Covered after the 14 day waiting period. This comes from the policy’s general illness rule; it names no separate rule for this class. (Waiting periods; Pre-existing conditions; Definitions page 14)
  • covered a dog carrying too much weight: Covered after the 14 day waiting period. (Waiting periods; Pre-existing conditions; Definitions page 14)
  • covered a fatty lump under the skin: Covered after the 14 day waiting period. (Waiting periods; Pre-existing conditions; Definitions page 14)
• Spot
  • covered an ear infection: Covered after the 14 day waiting period. This comes from the policy’s general illness rule; it names no separate rule for this class. (WAITING PERIODS, page 4; Definitions, Bilateral Condition, page 2; Exclusions c and f, page 5)
  • covered a dog carrying too much weight: Covered after the 14 day waiting period. (WAITING PERIODS, page 4; Definitions, Bilateral Condition, page 2; Exclusions c and f, page 5)
  • covered a fatty lump under the skin: Covered after the 14 day waiting period. (WAITING PERIODS, page 4; Definitions, Bilateral Condition, page 2; Exclusions c and f, page 5)
• Trupanion
  • covered an ear infection: Covered after the 30 day waiting period. This comes from the policy’s general illness rule; it names no separate rule for this class. (Exclusions & Limitations 5.b(2) and 5.c(1); page 3 of 9)
  • covered a dog carrying too much weight: Covered after the 30 day waiting period. (Exclusions & Limitations 5.b(2) and 5.c(1); page 3 of 9)
  • covered a fatty lump under the skin: Covered after the 30 day waiting period. (Exclusions & Limitations 5.b(2) and 5.c(1); page 3 of 9)

Where each condition comes from. Sorted by how much this breed stands out, strongest first.

Condition	How much it stands out	Sample	Source
Overweight status a dog carrying too much weight	2.67×	n = 22,333	VetCompass 2021
Otitis externa an ear infection	2.54×	n = 22,333	VetCompass 2021
Lipoma a fatty lump under the skin	2.03×	n = 384,284	VetCompass 2018

VetCompass, Royal Veterinary College. O'Neill DG, Volk AV, Soares T et al., Frequency and predisposing factors for canine otitis externa in the UK, Canine Medicine and Genetics, 2021

This figure compares the breed against CROSSBRED dogs, not against every other dog. Crossbreed is the baseline category in the final model. Random sample of 22,333 dogs from a population of 905,554; sixteen breeds showed increased odds. The study did not extract laterality or chronicity, so it cannot say how often ear disease recurs or whether it usually affects both ears. UK first-opinion data: the biology carries over to the US, referral patterns and recording habits do not.

VetCompass, Royal Veterinary College with the University of Cambridge Metabolic Research Laboratories. Pegram C, Raffan E, White E et al., Frequency, breed predisposition and demographic risk factors for overweight status in dogs in the UK, Journal of Small Animal Practice 62, 2021

This figure compares the breed against CROSSBRED dogs, not against every other dog. Crossbred is the baseline category of the breed variable in the final multivariable model, adjusted for age, sex-neuter, insurance and veterinary group; eight breeds showed increased odds and this is the second highest of them. Two limits matter here. The study measures what a veterinarian recorded rather than what a dog weighed, and its authors write that underreporting of overweight status is well recognised, so the true prevalence is likely to be significantly higher than 7.1 per cent. And only four of the eight breed figures are printed in the article text; the other four are readable only from the forest plot in Figure 3, so this register carries the four it could read in words and leaves the others out. UK first-opinion data: the biology carries over to the US, referral patterns and recording habits do not.

VetCompass, Royal Veterinary College. O'Neill DG, Corah CH, Church DB, Brodbelt DC, Rutherford L, Lipoma in dogs under primary veterinary care in the UK: prevalence and breed associations, Canine Genetics and Epidemiology 5:9, 2018

This figure compares the breed against CROSSBRED dogs, not against every other dog. Crossbreed is the baseline category of the breed variable in the final breed multivariable model at Table 2, adjusted for bodyweight relative to the breed and sex mean, age, sex-neuter status and insurance, with clinic as a random effect. In the univariable analysis this breed was not significantly different from crossbreds; the association appears only after adjustment, and the confidence interval is wide at 1.39 to 2.97. The study did not require laboratory confirmation of a lipoma. UK first-opinion data: the biology carries over to the US, referral patterns and recording habits do not.

What was measured

dogs under UK primary veterinary care during 2016; dogs under UK primary veterinary care during 2013.

Last checked: September 1, 2026. This is the oldest check date of the rows on this page, not the newest.