A pre-existing condition is any condition, symptom or sign of the condition that exists prior to getting the insurance. A condition may be considered pre-existing if before purchasing the policy:
(a) medical advice, diagnosis, care or treatment has been recommended for the pet by a veterinarian;
(b) it was treated or is receiving treatment from a veterinarian;
(c) the pet has clear and distinct symptoms and/ or would have been apparent to the policyholder in the circumstances.
Pre-existing conditions are exempted from the policy. This is why it's important to get your pets insured while they are healthy. Any eligible conditions that occur later in their lives will be fully covered by the policy!