As with most insurance products, there are certain situations where you will not be covered. There are some general exclusions such as:
Conditions which occurred prior to commencement of your first policy period or during any applicable waiting period (‘pre-existing conditions’).
Routine or preventative treatments (unless routine care (non-insurance benefit) cover is purchased with the Comprehensive Cover or Comprehensive Plus Cover, which provides a contribution up to the routine care limits).
Some elective treatments and procedures and breeding or obstetrics.
There may also be specific exclusions which may apply to specific levels of cover.
It is important that you read all of your policy documentation for full details. You can find more information in the Pet Useful Documents section.