So I need to renew my cats insurance polity. We have recently found out he has a heart murmur in his last check up, however he's not being treated for it as it's quite mild and the vet isn't too concerned. I'm aware that it could become worse in future and therefor we need to declare it now in an insurance policy, but I'm not finding any that will accept a pre existing condition or any I do find they are 4x the cost. Anyone got any advice on who's a good insurer to go with for a non treating pre existing condition?