Frequently asked questions^{^}

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WHAT PERCENTAGE OF MY VET EXPENSES AM I COVERED FOR?

We will reimburse you the Benefit Percentage selected by you which will be shown on your current Certificate of Insurance. For example, for an 80% Benefit Percentage we will reimburse you up to 80% of the eligible Vet Expenses (Excess and sub limits may also apply. The applicable Excess will be deducted from your benefit amount).

WHAT WAITING PERIODS APPLY?

The Waiting Periods that apply are: 30 days - for Conditions covered under the Illness and tick paralysis sections. 6 months – for cruciate ligament Conditions (may be waived on application, refer to the ‘Waiting Period’ definition on page 21). 6 months – for treatment covered under the Dental Illness Benefit section if you have chosen this option and (this benefit is shown on the Certificate of Insurance).

WHAT IS A PRE-EXISTING CONDITION?

It is any condition (illness or injury) or symptoms or signs of that condition occurring or existing in any form prior to the Commencement Date of your policy or during the policy waiting period. Pre-existing conditions will not be covered under the policy. For example, if your pet shows first signs of cancer prior to you taking out insurance cover or within the Waiting Period, then cancer will be considered as Pre-existing and all expenses incurred for cancer will not be covered. For more information, refer to the Combined Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide.

WHAT IS AN EXAMPLE OF A BI-LATERAL CONDITION?

An example would be, if your pet displays clinical signs of a cruciate ligament Condition in the left leg prior to the Commencement Date of the policy or during the Waiting Period (a Pre-existing Condition), Vet Expenses for a subsequent cruciate ligament Condition in the right leg will not be covered. (Refer to the ‘Bilateral Condition’ definition on page 18 of the Combined Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide.

WILL I HAVE LIFELONG COVER FOR MY PET?

Once your pet is accepted and as long as you continue to renew your policy, your pet will be covered for eligible Vet Expenses for life. You can apply for Illness Cover as long as your pet is over 8 weeks old.

WHAT EXCLUSIONS APPLY?

As with most insurance policies, there are certain situations where you will not be covered. It is important that you read all of your policy documentation for full details of what is covered under each policy. For a list of General Exclusions refer to section 6 of the Combined Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide.