What is a pre-existing condition?

One of the most frequently asked questions by pet parents is about pre-existing conditions. Specifically: what are they and how are they determined?

A pre-existing condition as a medical condition which first occurred or showed clinical sign(s) before the effective date of your policy or which occurred or showed clinical sign(s) during the policy waiting period. Simply put, if your pet has or had any condition, whether diagnosed by your veterinarian or not, before enrolling in a Petplan pet insurance policy, it is considered pre-existing.

However, we also recognize that there are two types of conditions: curable medical conditions and incurable medical conditions. Incurable medical conditions that first occurred or showed clinical sign(s) before the effective date of this policy or which occurred or showed clinical sign(s) during the policy waiting period are not eligible for coverage.

Curable medical conditions, which we define as any medical condition or injury that can be completely resolved without recurrence or any manifestations of clinical signs, may be eligible for future coverage after a 365-day curable exclusionary period. Please refer to your policy Terms and Conditions for more information.

So if a previously-cured condition remains symptom-free for an extended period, it may be eligible for coverage if symptoms return. You can read more about waiting and curable exclusionary periods here.

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