Your Policy includes Exclusion Periods, which are specified on your Certificate of Insurance. The coverage provided by your Policy becomes effective only after the completion of any applicable Exclusion Period. Various Exclusion Periods are applicable to different aspects, such as Injury, Illness, Dental Illness, Behavioral Conditions, and Specified Conditions.
Exclusion Periods apply to certain benefits available under the Policy. Cover is only available after the Exclusion Periods has elapsed.
- Accidental Injury (except Specified Conditions) 1 day
- Illness (except Specified Conditions) 14 days
- Optional Dental Illness 14 days – pets under 1 year old or
6 months – pets 1 year old or over
- Optional Behavioural Conditions 6 months
- Specified Conditions 6 months
If any Injury, Illness, Dental Illness, Behavioral Condition, or Specified Condition, including undiagnosed symptoms, occurs before the Exclusion Period finishes, it will be considered a Pre-existing Symptom and Condition. As a result, no benefits are payable for Veterinary Costs related to the Treatment of an Accident-related Injury or Illness, including Behavioral Conditions and Dental Illness, that occurs before the Exclusion Period concludes. Furthermore, if you agree to an increase in your coverage, a new Exclusion Period will apply from the effective date of the increase.
Certain conditions, regardless of whether they are an Injury or an Illness, have longer Exclusion Periods, and these are known as Specified Conditions.
Please refer to the relevant sections of the Product Disclosure Statement and Policy Wording and Your Certificate of Insurance for full benefit details and applicable terms, limitations, conditions, exclusions and definitions.