Pet insurance exclusions
Pet insurance is cool, and keeps your best mate safe. But there’s also a bunch of rules in the fineprint that you need to be aware of. Here’s a rundown of common exclusions.
![Image: Supplied Pet Insurance](https://www.finder.com.au/finder-au/wp-uploads/2017/05/Pet_Insurance_Supplied_1800x1000.jpg)
While exclusions vary across policies and insurers, here are some common ones to watch out for:
Yup, there's more. These are some other conditions that can stop you getting a claim approved, even if they're not technically a general exclusion.
What kind of writer would I be if I didn't leave you with actionable tips? A terrible one - they'd never let me back on the morning shows again.
Gap only pet insurance makes it easier to pay for vet bills. Here's how and who offers it in Australia.
Exotic pets such as reptiles, birds and small mammals get sick and injured too. Learn what's covered by exotic pet insurance.
Ever wondered how much it would cost to insure your dog? We've crunched the numbers so you can easily compare pet insurance prices between breeds.
Discover some funds that cover senior pets, what to look for in a policy and how you can help your furry friend feel comfortable in their twilight years.
We've rounded up the cost of surgeries for pets as well as pet insurance options to save you money if your pet needs surgery.
Is pet insurance worth it or a waste of money? Find out in this comprehensive guide.
Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Compare pet insurance deals and discounts available from Australian brands and save further on your policy.
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
Complete guide to finding the right pet insurance with a side-by-side comparison of major brands.
We have had our Golden Retriever insured since he was 8 weeks of age – he is now 6. We have just received our insurance renewal and it has increased over 19.5%. The monthly premium is now causing issues to our budget, however, our pup has had both his back knees replaced (TPLO surgery) due to cruciate ligament and he has arthritis. I have not been able to find a provide who is willing to cover us for these conditions if we move our policy stating that they are pre-existing conditions – BUT we have been paying insurance since he was 8 weeks of age – these condition are not pre-existing to insurance cover – they are only pre-existing to a new company. Why won’t policy writer’s “transfer” conditions that have been covered by other providers???? We have done the right thing but are now in a position of having to stay and pay the exorbitant fee increase our current insurer has levied, or we move and lose the cover we have had for the past 6 years.
Hi Anniemac,
Thanks for reaching out.
Some of conditions that could affect your pet’s insurance premium over time would be age and premium loading. For the pre-existing condition that the new insurer is considering, you will need to discuss this with the previous/existing insurer.
In line with that, it may still be possible to obtain pet insurance with pre-existing conditions on record. Our page will discuss what the options are and how an insurer will determine a pet’s pre existing conditions.
As always, please read the fine print carefully and familiarise yourself with the product disclosure statement (PDS), as each insurer’s definition of a pre-existing condition may vary.
Cheers,
Joanne