When you decide to purchase pet insurance for your pet, one of the most important things for you to consider is what conditions, injuries or illnesses they have had before the start of cover under the policy and occur during an applicable Exclusion Period.
The reason it is important to think about this is because ExtrasJar Pet Insurance, like most pet insurance policies, has an exclusion for Pre-existing Conditions, which means there is no cover for Vet Costs associated with the Treatment of a Pre-existing Condition. And unlike private health products for humans, conditions that arose while being covered by one pet insurance provider is generally not covered by another provider, if you switch cover.
Same common conditions, injuries and illnesses that may have occurred prior to Your Pet’s First Date of Cover include diarrhea, ear infections, swallowing a foreign object or limping. These may be considered pre-existing even though they have temporarily been treated and/or resolved.
You can request a Pre-existing Condition assessment. If your Pet has Pre-existing Conditions, we will also tell you whether any Pre-existing Conditions may be reviewed at a future date, the earliest future date you may request a review and any supporting information we will require at that time.
Note that exclusions are not automatically lifted at the review date, and it will only be lifted if we are satisfied the medical evidence confirms the Pre-existing Condition has been successfully treated and/or resolved. If a Pre-existing Condition is not reviewable, it will be permanently excluded from your cover.
Exclusion Periods apply from the time your policy starts, even if you have decided to switch to Stella Pet Insurance from another provider’s pet insurance policy, and also when you upgrade your level of cover with Stella.