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A pre-existing condition is a condition that first existed or occurred:
A pre-existing condition also includes a related condition or bilateral condition of a pre-existing condition.
Pre-existing conditions are not covered under your policy.
Refer to the Product Disclosure Statement for further information about pre-existing conditions.
A temporary condition means a condition that normally resolves with treatment, but does not include:
If, after any applicable waiting period, your pet has a pre-existing condition that is a temporary condition which hasn’t existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it won’t be excluded from cover as a pre-existing condition.
If, after any applicable waiting period, you’d like Petinsurance.com.au to check whether a condition that has been excluded as a pre-existing condition in your policy should continue to be excluded, you can apply to check this using the Pre-existing Condition Review form.
Your vet will need to certify and provide veterinary records verifying that the condition remains a temporary condition and has not existed, occurred or shown noticeable signs, symptoms or an abnormality for a period of 18 months (‘temporary condition').
Petinsurance.com.au will let you know in writing whether or not the exclusion still applies.
If your pet has a chronic condition that existed or occurred before the commencement date of your first policy period or during any applicable waiting period, and otherwise falls within the definition of ‘pre-existing condition’, that condition will always be excluded from your policy and will not be lifted.
Once completed, you can email the form back to Petinsurance.com.au and you will be notified of the outcome in writing.
