Can I purchase a policy and make a claim straight away?

When you purchase pet insurance, the policy can start covering unexpected injuries and new illnesses after the exclusion periods end. This is why it's so important to have a policy in place long before you actually need it. 

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. 

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.