Pet Insurance Definition of Pre-existing Condition

A comparison of the term "Pre-existing Condition" in pet insurance policies.

Animal Friends Insurance:

"• any Condition, symptom or sign of a Condition occurring or existing in any form and at any time prior to the Commencement Date; or

• any Illness, symptom or sign of an Illness occurring or existing in any form during the Waiting Period"

Argos:

"Any medical Condition which occurred or existed in any form prior to the start of the Insurance Policy."

Aviva:

"Any injury or illness which occurred or existed in any form prior to inception of the policy."

Homebase:

"Any medical Condition which occurred or existed in any form prior to start of the Insurance Policy."

PDSA:

"Signs of Incidents which were apparent prior to the inception of the Policy"

Petpals Direct:

"Any condition or complication directly resulting from a condition that has been identified or investigated by a vet, is known to you or is otherwise reasonable for you to have known about prior to the start of the insurance."

Petplan:

a) An injury that happened or an illness that first showed clinical signs before your pet’s cover started, or

b) An injury or illness that is the same as, or has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had before its cover started, or

c) An injury or illness that is caused by, relates to, or results from, an injury, illness or clinical sign your pet had before its cover started,
No matter where the injury, illness or clinical signs are noticed or happen in, or on, your pet’s body. This is in addition to any exclusion(s) stated on your Certificate of Insurance Animal Details."