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.

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.
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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