Exclusion Periods apply to certain benefits available under the Policy. Cover is only available after the Exclusion Period has elapsed.
a. | Accidental Injury (except Specified Conditions) | 1 day |
b. | Illness (except Specified Conditions) | 14 days |
c. | Optional Dental Illness | 14 days – pets under 1 year old or |
d. | Optional Behavioural Conditions | 6 months |
e. | Specified Conditions | 6 months |
For an Exclusion Period that may apply to Specified Conditions, and other conditions (e.g. Dental Illness), You may submit an additional application to request the Exclusion Period to be reduced.
In order for Us to consider whether a reduction of the Exclusion Period can be provided We will require:
1. a completed request form from You, which will require You to have Your Pet examined by a Vet at Your own expense; and
2. Your Pet’s medical history. You will be reasonably required to aid in the process of obtaining Your Pet’s medical history e.g. by providing details of any Vets Your Pet has seen in the past.
We will provide You with an updated Certificate of Insurance which lists any condition We have agreed to reduce the Exclusion Period for.
Any Injury, Illness, Dental Illness, Behavioural Condition or Specified Condition, including undiagnosed symptoms such as limping and recurring Conditions such as ear infections and diarrhea, that occurs during any applicable Exclusion Period will also be deemed to be a Pre-existing Symptoms and Conditions (see Pre-existing Symptoms and Conditions & Pre-existing Symptoms and Conditions Assessment).
Therefore, no benefits are payable for Vet Costs related to Treatment of an:
Injury due to an Accident; suffered; before an Exclusion Period has finished or
Illness (including Behavioural Conditions & Dental Illness); suffered; before an Exclusion Period has finished.
A new Exclusion Period also applies from the effective date of any agreed increase in Your cover.
Certain conditions have a longer Exclusion Period than others, irrespective of whether they are an Injury or an Illness. These certain conditions are Specified Conditions.
Specified Conditions includes:
● Cruciate ligament damage, ● Intervertebral disc disease, ● Hip dysplasia, ● Patella luxation, ● Elbow dysplasia, | ● Osteochondritis dissecans (‘OCD’), ● Cherry eye, ● Entropion, ● Ectropion, ● Lumps* |
*Lumps means the protuberance or localised area of swelling or unusual growth that can occur anywhere on or in the body including tumours, warts, cysts, growths, mucoceles, haematomas and abscesses. 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.