Pre-existing conditions aren't covered by this policy. We consider a condition to be pre-existing if it was first noticed before your policy start date or within the waiting period, whether they needed treatment previously or not. 

If you noticed something was wrong with your pet before you took out the policy, it could be a sign of a pre-existing condition. This is true even if you decided not to take them to the vet. For example, if your dog was limping before the policy started, and your vet later confirmed this was due to arthritis, we’d consider this to be a pre-existing condition.

Remember, there is a waiting period at the start of this policy. The waiting period is 14 days for illness and two days for accidents. If a condition is first noticed or an accident happens in the waiting period, these will be considered to be pre-existing conditions as well. 

Any injuries caused by accident or illnesses your pet had before you took out this policy will also be considered pre-existing conditions. This includes any complications or conditions that later appear because of the illness or accident.

For more information about how we apply exclusions please read our Policy Booklets thoroughly. These can be found under our products pages.

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