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A pre-existing condition means 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.
A chronic condition means a long-lasting condition which is recurring or present in your pet over a period greater than three months in total, however the three-month period need not be consecutive. Chronic conditions may also be intermittent or managed with medication and/or prescription diets with intervals of remission.
Examples include (but aren’t limited to): chronic or seasonal allergies, inflammatory bowel disease, diabetes, osteoarthritis, cancer and some autoimmune diseases.
If a chronic condition is a pre-existing condition, it will always be excluded from cover. That means, it will never be considered a temporary 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.
Petinsurance.com.au policies entered into for the first time on or after 7 November 2023 and subsequent renewals of those policies are issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representatives (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and Australian Unity General Insurance Agency Pty Ltd ABN 55 688 252 628, AR 1316512. Petinsurance.com.au policies entered into for the first time prior to 7 November 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure and promoted and distributed by PIPL. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at Petinsurance.com.au.