What is a pre-existing condition or symptom?

Any signs or symptoms of an illness or health issue your pet shows before the exclusion period is over are considered pre-existing conditions and won't be covered.  

A pet insurance policy helps to cover unexpected accidental injuries and illnesses which means that pre-existing conditions and symptoms aren’t covered by a pet insurance policy. 

Here’s what you should know about exclusion periods: 

- Any claims made during the exclusion period won't be covered. 

- Injuries or illnesses that occur during the exclusion period will be classified as pre-existing conditions and won’t be eligible for coverage. 

- We can cover new and unexpected injuries and illnesses that happen after the exclusion period ends. 

Pre-existing conditions also include those illnesses or injuries that are related to, secondary to, or resulting from the initial illness or injury, as well as bilateral conditions (affecting both sides of your pet's body, such as its ears or legs).