Any Vet Costs related to Treatment of Your Pet’s Pre-existing Conditions are excluded from cover. We will consider some pre-existing Conditions treatable and no longer pre-existing after a period of being symptom-free. We will inform You of the required symptom-free period.
When we conduct the assessment of Your first claim under the Policy we will also arrange for a full assessment of your Pet’s medical history. You will be required to aid in the process of obtaining your Pet’s previous medical history including by providing details of any vets your Pet has seen in the past. This assessment will establish whether Your Pet has any Pre-Existing Conditions and we will share the assessment outcomes with You.
The definition of a Pre-existing Condition is:
- an Illness or the recurrence of any Illness which first occurred or displayed any signs and/or symptoms consistent with the Illness;
- an Injury or recurrence of an Injury that occurred;
- any complication resulting from an Illness or Injury that occurred;
- any Related Condition of an Illness or Injury that occurred;
- any Bilateral Condition of an Illness or Injury that occurred;
before Your first Period of Insurance started or during any applicable Waiting Period.
Bilateral Condition means any condition, which may affect duplicate body parts on both sides of the body (e.g. ears, eyes, knees, cruciate ligaments, hips). These conditions are considered as one condition where the second body part is affected.
Related Condition means any Illness or Injury that has the same Clinical Signs and symptoms as another Illness or Injury. For example, if your Pet previously had a skin allergy on its back and then suffered a skin allergy on its belly, then We would consider the skin allergy on the belly to be a Related Condition.