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Things you need to know
Ongoing claims will be covered up to the policy limit on your current policy.
Your pet is only covered if your policy remains in force. Vet fees for ongoing conditions are only covered if the treatment arises during a period of insurance where the premium has been paid.
Conditions, symptoms and signs of injury or illness that exist in any form before the pet was covered by this insurance, are classified as a pre-existing condition.
Once a pet starts having treatment for an ongoing condition under a policy it will be classified as a pre-existing condition when taking out a new policy or changing insurer. You should check whether cover for pre-existing conditions is provided.
Times your claim won't be covered
Connected with, or a recurrence of, a pre-existing condition, symptom or event.
The condition’s time or monetary limit has been reached.
Relating to any illness or disease arising during the first 14 days of cover.
Connected to behavioural problems or traits.
The cost of preventative, non-essential or routine treatment.
Your pet is being used for, or claims arising from the use of your pet for commercial, guard, breeding, gun dog use, security or working purposes or for racing, unless agreed by us.
The above is only a summary of some of the exclusions. Please refer to the policy wording for the full policy terms and conditions.