Our new business policies do not cover pre-existing conditions.
Any illness, disease or injury that your pet has shown clinical signs for and/or you have sought veterinary advice or treatment prior to starting a policy will be considered as a pre-existing condition. Pre-existing conditions are excluded from cover.
If you require cover for pre-existing conditions you should contact a specialist provider.
Existing customers who have purchased a Champ policy will continued to be covered for any accepted conditions shown in your policy documents. Subject to the terms and conditions of the policy.
Pre-existing cover intends to provide cover for medical issues that a pet already has. They describe any illness, injury, symptom or condition that happened or first showed signs before your policy begins – regardless of whether your pet went to the vet for it. Our full definition is shown in the FAQs below or in our policy wording.