A pre-existing condition is any injury or illness that:

1. Happened or first showed clinical signs,
2. Has been identified or investigated by a vet,
3. Has the same diagnosis or clinical signs as an injury, illness, or clinical sign your pet had,
4. Is caused by, relates to, or results from, an injury, illness, or clinical sign your pet had,
5. or is otherwise known to you,

before the start date of your pet’s first period of insurance (inception) with Scratch & Patch, or before the date the cover level on your policy was increased. No matter where the injury, illness or clinical signs are noticed or happen in, or on, your pet’s body. This includes anything that occurs in the first 14 days of your pets cover with Scratch & Patch.

Our current policies and cover levels (Bronze, Silver, Gold, Prime, Premier and Premier Plus) do not cover pre-existing medical conditions.

This means that we will not pay:

1. Any claim for or as a result of a pre-existing condition.
2. Any claim for or as a result of an illness which, in the first 14 days of your pets cover with Scratch & Patch,
   • first showed clinical signs,
   • has the same diagnosis or clinical signs as an illness that showed clinical signs or
   • is caused by, relates to, or results from a clinical sign of an illness that was noticed,

This 14-day exclusion does not apply if your pet was insured for veterinary fee’s under another policy of insurance up to the start date (inception) of the first period of insurance with Scratch & Patch and you provide proof of this to us.