What if my pet had (condition) in the past is it covered?

Coverage for conditions your pet had in the past depends on when the signs or symptoms appeared relative to the exclusion periods ending on your policy. Any condition that appeared before these periods ended is generally considered a pre-existing condition and not covered because it started before your policy came into effect. 

However, some non-chronic conditions might be considered "cured" if your pet shows no recurring symptoms or requires no further treatment for a specified timeframe. For these types of conditions, we may be able to offer coverage if your vet can confirm there have been no further signs or symptoms and the condition has been treated, cured, or resolved. 

Here’s how our process works: 

Request a Pre-Existing Condition Assessment: Start by requesting a pre-existing condition assessment which involves collecting and reviewing your pet's medical history. This will help determine whether the condition is considered temporary and curable. 

Symptom-Free Period: Temporary pre-existing conditions must have had no symptoms for a certain period, which varies depending on the severity of the original condition, before the condition can be covered. Minor conditions might only require a short symptom-free period, while more serious issues could require a longer period. 

Review and Lifting Exclusions: If your pet remains symptom-free for the required period, you can apply to have the exclusion for this condition lifted. We will guide you on the earliest date you can request a review and the type of medical evidence needed from your vet. 

Permanent Exclusions: Some chronic conditions like arthritis, allergies, or cancers, unfortunately, can't be cured and will remain permanently excluded from coverage because they require ongoing management rather than a cure. Each case is unique, and we assess temporary pre-existing conditions on a case-by-case basis, to ensure your pet gets a fair evaluation. Remember, lifting an exclusion is not automatic at the end of the reviewable period; it requires conclusive medical evidence that the condition has been treated, cured or resolved.