Pre-existing Condition

Pet health insurance policy definition of "pre-existing condition"

Any Condition for which a Veterinarian provided medical advice, the Pet received treatment for, or the Pet displayed signs or symptoms consistent with the stated Condition prior to Policy Effective Date or during any Waiting Period.

What is a Pre-existing Condition?

A pre-existing condition is basically any illness or injury that your pet had before their coverage started. The good news is, not all pre-existing conditions are excluded permanently. If you have medical records from your vet showing that your pet's condition has been cured for at least eighteen months, you may be able to get it covered.

Please note, the following conditions are deemed pre-existing if they are present at any time preceding the policy effective date or during the waiting periods:

  1. Chronic Conditions
  2. Bilateral Conditions
  3. Intervertebral disc Conditions