What do you classify as a pre-existing condition?

A pre-existing condition is classified as any illness or injury that your pet has previously suffered from during its life.

This includes conditions that could affect both sides of the body (e.g. hips, knees, eyes, etc) which are known as ‘bi-lateral conditions’. If your pet has displayed signs of injury or illness, or received treatment for something on one side of its body, the pre-existing condition classification applies to both sides.


For example, your pet develops a lipoma (a fatty lump) on their right leg. You’ll take your pet to the vet for treatment and make a claim on your policy.  Your pet then develops another lipoma on their back 6 months later. You take your pet to the vet and make another claim. We’ll consider this all as one condition.

Using this example, it’s important to mention that if your pet developed the initial lipoma before your policy started, we’d consider the second lipoma as a pre-existing condition.

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