What is the difference between Reviewable and Non-Reviewable Conditions in my Pre-Existing Conditions Assessment Outcome?

Reviewable pre-existing conditions are typically temporary ailments that have been experienced by a pet for a period of time but are no longer present as a result of treatment or recovery. They can include ones that are fully resolved, are asymptomatic for a period of time and no longer affecting your pet’s ongoing health. Broken bones, soft tissue injuries, vomiting and diarrhoea all count as potential temporary pre-existing conditions.  

If your pet hasn't shown any signs or symptoms of a curable condition for a specific period of time, you can apply for a pre-existing condition exclusion to be lifted, provided there are no signs or symptoms of the condition during the applicable reviewable period. 

Reviewable periods will vary for each pet and is determined on a case-by-case basis, based on the severity of the original condition and the information contained in their medical history. Lifting an exclusion is not automatic; it requires conclusive medical evidence that the condition has been treated, cured or resolved. 

Non-reviewable pre-existing conditions refer to ongoing or chronic conditions that were present before the policy's exclusion period ended. Examples include lifelong conditions like cancer, recurrent ear infections, epilepsy, arthritis, heart disease, kidney disease, and hip dysplasia, which require ongoing management and are not curable. These conditions are permanently excluded from coverage. 

If your pet has non-reviewable pre-existing conditions, it means we won’t be able to provide coverage for that specific illness or injury. We’ll still be able to cover them for a large number of new and unrelated conditions which includes an extensive list of different health emergencies and illnesses.