Any illness or disease that happens during the first 14 days of the policy or any condition that is present before the start date of the policy would not be covered. This includes recurrence of any illness, disease or injury that was present before cover started or that arose during the first 14 days of your pet being covered.
It doesn't cover any preventative, non-essential or routine treatment or tests, such as flea treatment, neutering and vaccination, behavioural problems, pregnancy, food and dental treatment (unless the dental treatment is due to accidental external injury) and any costs as a pet owner you would normally expect to pay. There is also no cover for any claim that results from an incident covered by other insurance, for example Third Party Liability.
Please refer to the policy wording for full details.