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Nothing ruins the excitement of a new puppy more than discovering that a recent ear infection is considered a pre‑existing condition and therefore not covered. Understanding this term – and how different insurers handle it – is key to avoiding unpleasant surprises.
What counts as a pre‑existing condition?
RSPCA Pet Insurance defines a pre‑existing condition as any condition that first occurred before your policy started or within the waiting period, and that you were (or should reasonably have been) aware of. This includes bilateral or related conditions. However, temporary conditions can be reviewed after 18 months and may be covered again if a vet certifies your pet has recovered.
How PetsOnMe approaches pre‑existing conditions
We go further than many insurers. PetsOnMe covers cured and temporary conditions once they’ve completely resolved. We offer three levels of cover with annual limits up to $20,000 and reimburse up to 80 % of eligible vet bills. You can cancel, upgrade or downgrade any time with no fees.
To avoid exclusions, the sooner you insure your pet the better. You can cover puppies and kittens from six weeks old and enjoy two months free for under‑one‑year‑olds and one month free for older pets. We also waive waiting periods if you’ve held uninterrupted cover elsewhere for at least a year. Being proactive ensures more conditions are considered “new” rather than pre‑existing, giving you greater protection.
