If you need pet insurance but your pet has a pre-existing health condition, you can explore coverage options and compare policies with Savvy today.
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Looking into pet insurance for your beloved furry friend? Whether you have a playful pup or a curious cat, you can compare pet insurance options from a range of providers and find the perfect coverage that suits your pet's unique needs and your budget.
Fetch Care Plan |
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Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.More details |
Petsy Most Popular 80% Cover $150 Excess |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Fetch Premium Plan |
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Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.More details |
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Multi-award winning pet insurance designed with the help of vets.More details |
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Petsy Value Cover 80% Cover $500 Excess |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Petsy Top Cover |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
Disclaimer: Savvy is not advising or recommending any particular product to you. We provide general information on products for the purposes of comparison, but your personal situation or goals are not considered here. Although we try to make our comparisons as thorough as possible, we do not have information on all products on the market on our site.
Savvy earns a commission each time a customer buys a pet insurance policy through our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via the individual pet insurance companies.
You should always consult a given offer's PDS or further documentation in the process of deciding on which loan to choose, as well as seeking independent, professional advice. If you decide to apply with one of the lenders listed above via our website, you will not be dealing with Savvy; any applications or enquiries will be conducted directly with the lender offering that product.
As a responsible pet owner, ensuring the well-being of your animal companion is of utmost importance. Pet insurance provides financial protection against unforeseen medical expenses, offering peace of mind in times of need. However, what if your pet has a pre-existing condition?
Navigating pet insurance with a pre-existing condition can be tricky, but you may still be able to take out cover for your pet. Using Savvy’s online comparison tool, you can compare a range of policies from our panel of trusted insurers in minutes, helping you find a pet insurance plan that suits your needs and budget. Get started with a free, no-obligation quote today!
A pre-existing condition refers to any health issue, injury or illness that your pet experienced or was diagnosed with before insurance cover began. These conditions can be either temporary ailments or more chronic concerns.
Understanding these types of conditions helps you know which ones might be covered by your pet insurance and which ones might not.
It is possible to obtain insurance coverage for your pet even if they have a pre-existing condition, but coverage for the pre-existing condition itself will typically be excluded from the policy.
There may be exceptions. Some insurers might offer coverage for pre-existing conditions on a case-by-case basis. For example, if your pet had a temporary condition that has a been fully cured and no longer affects its health, some insurers might consider covering it. However, coverage is often contingent on your pet not having shown signs of that condition for at least 18 months.
Regardless of whether or not you can get cover for the pre-existing condition, having insurance can still be beneficial for covering future accidents, injuries and illnesses that your pet might face.
In pet insurance, the waiting period is the time at the beginning of a policy during which specific coverage exclusions apply. It is essentially a buffer period implemented by insurance providers to prevent fraudulent claims and ensure that policies are purchased for the purpose of addressing unforeseen future issues rather than existing problems.
Depending on the condition, the waiting period might be a few weeks or a few months. If your pet develops a condition during this time, it might be classified as pre-existing and excluded from coverage. It’s therefore vital to thoroughly review your policy terms to understand how waiting periods affect coverage.
Yes, it is possible to request a review of your pet’s pre-existing condition under certain circumstances. Some insurers offer the option to have a pre-existing condition reviewed, especially if the condition was considered temporary and your pet has not shown noticeable signs, symptoms or abnormalities for a specified period, often around 18 months.
To initiate the review process, you typically need to provide your insurer with veterinary records and documentation that demonstrate that the condition has been resolved and no longer affects your pet’s health. This could include medical reports, test results and statements from your vet.
If the review is successful and your insurer agrees that the pre-existing condition is no longer applicable, they may remove the exclusion for that specific condition from your policy. This means that your pet could be eligible for coverage related to that condition in the future.
Keep in mind that not all insurers offer pre-existing condition reviews, and the specific requirements and processes may vary between insurance companies. To be sure, you should consult your policy’s product disclosure statement (PDS) or contact your insurance provider to inquire about their stance on pre-existing condition reviews.
This is the most basic type of pet insurance, covering costs for accidental injuries such as car accidents, poisoning, burns, fractures, snake and spider bites, but not illnesses and other conditions.
This type of insurance provides cover for accidental injuries as well as illnesses like cancer, gastrointestinal problems and eye, ear and skin conditions, but not routine care for your pet.
This offers the highest level of protection, covering accident and illness and potentially routine care such as vaccinations, dental care, worm and flea treatments and microchipping.
Our comparison service is free to use, providing you with a range of pet insurance quotes at no cost.
You'll be able to compare offers online side by side in a matter of minutes before you buy.
We’ve partnered with a range of pet insurers to give you more choice when selecting a policy.
Early detection and treatment of any health issues can prevent them from becoming chronic or permanent conditions.
Ensure your pet has a balanced diet, regular exercise and maintains a healthy weight.
Keep up with your pet’s vaccinations, parasite prevention and dental care to reduce the risk of certain diseases and conditions.
Take precautions to prevent accidents or injuries, such as keeping your pet on a leash during walks and using safety gear in vehicles.
Research breed-specific health concerns and be vigilant for any symptoms associated with those conditions.
Insuring your pet when young and healthy means you will be covered for any conditions that may arise later.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
