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Are there Exclusion Periods for Pet Insurance?
Are there Exclusion Periods for Pet Insurance?

A description of what Exclusion Periods apply to pet insurance

John Connor avatar
Written by John Connor
Updated over a week ago

Exclusion Periods apply to certain benefits available under the Policy. Cover is only available after the Exclusion Period has elapsed.


Accidental Injury (except Specified Conditions)

1 day


Illness (except Specified Conditions)

14 days


Optional Dental Illness

14 days – pets under 1 year old or
6 months – pets 1 year old or over


Optional Behavioural Problems

6 months


Specified Conditions

6 months

You may ask us to waive the Exclusion Period for some or all the Specified Conditions, and other Conditions (e.g. Dental Illness). When you take out a policy, we will provide an Application Form to apply for a reduction of Exclusion Period(s) for You and Your vet to complete.

Specified Conditions include cruciate ligament damage, intervertebral disc disease, hip dysplasia, patella luxation, elbow dysplasia, osteochondritis dissecans (OCD), cherry eye, entropion, ectropion, and Brachycephalic Obstructive Airway Syndrome (BOAS) and Lumps. Lumps are not considered a Specified Condition if Your Pet was under one (1) year old on the First Date of Cover or when Your cover increased.

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