โš•๏ธ HOW-TO

Pre-existing Conditions & Pet Insurance

Current-document note

No premium, limit, benefit, waiting period or provider ranking on this page should be treated as current. Use the latest PDS, policy schedule and a personalised quote.

Last updated: June 11, 2026

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

What Actually Counts as Pre-existing

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

Provider documents to compare

Provider documents to compare

  • New, unrelated conditions (cancer, accident, infection)
  • Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
  • Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

Provider documents to compare

  • Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
  • Related symptoms noted in vet records
  • Bilateral conditions on the same side
  • Breed-specific conditions if already showing signs

The Most Important Advice

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

Related Guides

Waiting Periods

Related: how waiting periods work

How to Claim

Avoid rejected claims

Senior Pet Insurance

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

โ† Waiting Periods ยท Next: Excess Explained โ†’