What is a pre-existing condition?
Specific definitions might vary between insurers, but most categorise a pre-existing condition as:
- A condition that occurred or showed symptoms before the insurance policy was taken out
- A condition that results in the same diagnosis that your pet had before the policy was bought
- A condition resulting from an illness or injury your pet had before you took the policy out
Regardless of whether you currently have an insurance policy covering your pet, if you have seen a vet regarding an accident/illness then this would be classed as a pre-existing condition and you will not be covered.