Pet insurance and pre-existing conditions

August 6th, 2021

At Petplan, a pre-existing condition will never stop your pet from getting pet insurance coverage. While your pet’s pre-existing condition will not be eligible for cover, you will still be covered for all other issues that could happen in future, including chronic conditions.

As pet insurance specialists, we offer New Zealand’s best range of policy options packed with added benefits to suit every budget. Our plans are affordable and designed to cover the unexpected. As long as you continue to renew your pet’s policy each year, without a gap in your cover, we will continue to pay claims for lifelong illnesses, you can rest easy knowing that your furry friend is covered.

 What is a pre-existing condition?

A pre-existing condition is an illness, injury, or symptom identified by you, or your veterinarian, prior to taking out a pet insurance policy.

There are two types of pre-existing conditions: those that will be cured or heal so are deemed temporary; and those that may never be cured, and therefore deemed permanent.

Temporary pre-existing conditions include:

  • Soft tissue injuries
  • Broken bones
  • Urinary tract infections
  • Ear infections
  • Respiratory infections
  • Bladder infections
  • Vomiting
  • Diarrhoea

Permanent pre-existing conditions include:

  • Cancer
  • Diabetes
  • Orthopaedic conditions
  • Heart disease
  • Kidney disease
  • Bladder crystals
  • Epilepsy
  • Arthritis
  • Hip dysplasia
  • Allergies
  • Chronic skin disease

Permanent conditions require repeat veterinarian visits, ongoing medication, and sometimes even surgery.

How can I avoid a pre-existing condition? 

While there is no guarantee that your pet won’t have a pre-existing condition, you might find that it’s worth considering taking out insurance while your pet is young and healthy. By doing this early, you will ensure your beloved family member is covered for the care they deserve.
Our pets can get sick out of the blue or injured when we least expect it. The longer you delay getting pet insurance, the higher the chance of something happening to your pet, and that injury or illness would then be considered a pre-existing condition and therefore not eligible for coverage.

Can my pet still be insured? 

Despite their pre-existing condition/s, you may find pet insurance to be a worthwhile investment in order to protect them from other issues that can occur.
If your animal develops any other illness or gets into an accident, not being insured could lead to significant out-of-pocket costs to get them the care they need.

How can Petplan help?

Petplan’s pet insurance plans are designed to cover the unexpected so you can afford the care your pet deserves. We give you peace of mind by taking the financial worry out of having an animal. Our policies protect your animal against conditions that happen after you take out a pet insurance policy. Cover is available for new accidents and illnesses that occur after the applicable waiting period.

For pre-existing conditions that will eventually heal, Petplan will place an exclusion for the condition temporarily for up to two years. During this period, any treatment for the pre-existing condition will not be covered. If your pet remains completely asymptomatic during the excluded period, the exclusion may then be removed, upon review, for the following years. Once removed it is as if the exclusion was never there.

Every pet’s situation is unique, so we recommend calling our friendly pet-loving team on 0800 255 426 to chat about how pre-existing conditions could affect your policy.

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