Pet Insurance for Pre Existing Conditions

Pet Insurance for Pre Existing Conditions

Pet insurance has been growing internationally for the past few years and it’s more popular than ever in Australia. However, it’s important to know exactly what you’re covered for. Different pet insurance companies may have different policies and definitions so it’s always best to thoroughly read their Policy Booklet to avoid any surprises!

Definition of a pre-existing condition

One aspect of the pet insurance policy that can cause some misunderstanding is the definition of a ‘pre-existing condition’. It’s important to be aware of because most pet insurance companies won’t cover expenses if the injury or illness is the result of a pre-existing condition.

Prime Pet Insurance defines a pre-existing condition as “a condition that existed or occurred prior to the commencement date of the first policy period or within any applicable waiting period, of which you or your vet were aware or a reasonable person in your circumstances would have been aware, irrespective of whether the underlying or causative condition has been diagnosed.” The full definition of this term is in the Policy Booklet

Important information about pre-existing conditions

If a condition exists or occurs before the commencement date of the first policy period or within an applicable waiting period, it may be excluded from cover as a pre-existing condition. Some conditions are eligible for review after an 18-month period. Please refer to your Policy Booklet for more information regarding pre-existing conditions.

Why don’t pet insurance companies usually cover pre-existing conditions?

Most pet insurance companies don’t cover pre-existing conditions because pet insurance is designed to cover unexpected illness and specified accidental injuries, so that you don’t suddenly have to pay for large vet bills you haven’t budgeted for. That’s why it can be ideal to get pet insurance as early as possible when you get your pet. Many pet insurance companies will allow you to insure your precious pet as young as 8 weeks old. See how Prime Pet Insurance can protect your pet dog or cat by getting a quote today.