Is past surgery that corrected an illness classed as a pre-existing condition?

Whether a condition is considered a pre-existing condition depends on when the signs or symptoms occurred and when the exclusion periods on your policy end. Anything that happened before the exclusion periods ended is considered a pre-existing condition because it started before your coverage began. 

Certain medical conditions that aren’t chronic can be considered “cured” if there are no recurring symptoms or treatments required after a specified period of time. We can provide coverage for these temporary, cured pre-existing conditions after a certain timeframe, if your vet confirms there are no more signs or symptoms.  

For exact timeframes, request a pre-existing condition assessment. We’ll let you know how long it needs to be symptom-free before it can be covered again. Minor conditions will have shorter reviewable timeframes, while more serious ones will have longer timeframes. 

Keep in mind that chronic conditions like arthritis, allergies, asthma, cancers, and endocrine diseases can’t be cured. Their symptoms can be managed with treatments, but the conditions themselves are not curable, so they wouldn’t be covered.