Pre-existing conditions

Pre-existing condition means any condition that began or was contracted, manifested, or incurred before the effective date of this policy or during any waiting period, whether or not the condition was discovered, diagnosed, or treated. A chronic condition is a pre-existing condition unless it began after the effective date of this policy.

• For instance, if a veterinarian diagnoses your pet is in need of a thorough dental cleaning and the medical records indicate this cleaning is recommended, dental tartar/periodontitis is considered pre-existing.
• Here’s another example: your pet is limping, but no diagnosis has been found. One to two months into the policy hip dysplasia is found and noted in the medical records by a licensed veterinarian. Hip dysplasia is considered pre-existing.