You can apply for cover if your pet has pre-existing conditions, however these conditions will be excluded from cover. We define pre-existing conditions as any condition, illness, injury or bilateral condition which occurred or first showed clinical signs prior to the Policy start date, whether diagnosed or not or existing in any form even if the diagnosis changes. This includes if the condition, illness, injury or bilateral condition has the same diagnoses or is caused by, relates to or results from a condition, illness or injury which occurred prior to the policy start date.
A condition will cease to be a pre-existing condition if:
a) The condition has been treated and Your Pet has fully recovered, leaving no susceptibility to future problems or
underlying weakness and since that point;
b) The condition has been treated and Your Pet has not received any treatment for or in connection with the condition
for a continuous period of 24 calendar months;
c) there are no symptoms or vet consultations relating to the condition for the previous 24 months.
Any condition that is ongoing or chronic in nature will be permanently excluded. Chronic Condition - Means any condition that continues indefinitely, or cannot be cured or eradicated and that may recur or requires ongoing treatment.