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Will you apply exclusions to a new policy?
25204Any condition, illness, injury, symptom or sign of a condition occurring or existing prior to your policy’s start date will be considered a pre-existing condition and will be excluded from your terms of cover.
You should inform us of these upon taking out your policy.
If we find out about them later we reserve the right to apply exclusions when we are made aware of the pre-existing condition.
We will also apply exclusions to any illness or condition if symptoms or signs are noted, or a diagnosis is made, during the 14-day waiting period at the start of your policy. Cover for accidents starts after 5 days. You can also claim for public liability immediately (on policies where public liability cover is included).
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Policy questions
Pet insurance can be confusing.
Check out our A-Z glossary to make it easier to understand.
Policy questions
What animals do you insure? What policies for dogs and cats? What policies for horses and riders? Which policy is right for me? Will you cover older pets? Cover for prior illness or injury? Exclusions applied to new policies? Do I pay tax on pet insurance? How do you calculate premiums? How do I get a quote? Is dental treatment covered? Is there a multi-pet cover? What breeds are excluded? My pet has passed away, how do I cancel my policy? Do I need to inform you if my pet is pregnant or I’m looking to breed from my pet?
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We review our pet insurance FAQs regularly and are always adding content. If you are unable to find an answer to a question you have, please contact us or get in touch via our Live Chat facility.
If you’d like more information about Animal Friends Insurance, please go to our About us page.
