What is a Pre-existing Condition in Pet Insurance?
In short, a pre-existing condition is any condition or symptom that has occurred before you have set up your policy, which you have visited the vet for in the past.
As pet parents ourselves, we are here to guide you through exactly what you need to know regarding pre-existing conditions to help you understand it as best as poss - and to help you avoid any nasty surprises from an insurer.
For example: If your pet hasn’t suffered from or received any treatment for a condition within the past 2 years.
This is why it’s important to check all policy documents and compare providers to ensure you know exactly what’s covered and what’s not - no hidden nasties!
If in doubt, give the Customer Champions a shout. They’ll always be able to tell you if a condition classifies as pre-existing or not, and what your best options are.
At the moment, we do not cover for any pre-existing conditions. But we recognise this is an issue and it is something we are working to change.
Pet insurance is there to help protect you against the unexpected costs that result in owning a pet. If your pet already has a pre-existing condition then it is not an unexpected or unknown cost.
It also means the risk of claiming is much higher, even if the condition hasn’t been prominent for a while.
Yes, you can still get insurance. It just wouldn’t cover for that particular condition. However, it would still cover your pet for everything else.
You don’t have to declare your existing conditions upfront. When you make your first claim, we will request all of your pet’s medical records and will let you know what conditions will be excluded.
FYI, pre-existing conditions don’t affect your monthly cost, we just will not cover for them.
This is entirely dependent on the type of pre-existing condition. For example, if your pet has suffered with major issues such as heart problems it would exclude all claims related to the heart.
However, if your pet had a minor accident in the past like eating chocolate, we would exclude any resulting conditions related to that specific incident but not the incident itself - future accidents of toxic ingestion would still be considered. It fully depends on the type of condition and the severity.
A bilateral condition refers to any condition affecting both sides of the body. I.e. ears, eyes, hips, cruciate ligaments, etc. Should your pet suffer from a bilateral condition, these disorders are considered as one condition.
What this means, in terms of pre-existing, is if your pet has suffered with a condition on one side of the body before your policy period, you would not be covered for the same condition if it occurred on the other side of the body, as it is classed as one condition.
For example, take cruciate ligament damage. This is a condition that can commonly occur on both legs, so if the pet has suffered with it on one leg prior to the policy start date, it would not be covered if it occurred on the other leg at a later date.
Certain medical conditions are more prevalent in different types of breeds and this should be something you look at when considering a new pet.
There are limits to what pet insurance will pay for, but it's important to make the distinction between pre-existing conditions and any illness/injuries.
Pre-existing conditions are health problems that your pet already has when you first sign up for . These conditions, which can be physical or behavioral, are not covered by most pet insurance companies.
This is because they are considered a major risk, they usually require you to pay higher premiums, sometimes significantly higher.