Is this condition covered? Quick answers on common conditions

Here are quick answers on a few conditions and treatments we are often asked about.

A gentle heads-up first: these are general guidelines only. Every claim is assessed fairly and individually, based on how the illness or accident happened and your pet's own condition and health history. These examples are guidance rather than guarantees.

Dental

Dental treatment is generally only covered if it is due to an accident, for example a tooth broken in a fall or road accident. Routine dental care such as cleaning, scaling, extractions, and gum disease usually is not covered.

Parvovirus, canine distemper, and rabies

These are vaccine-preventable illnesses. Under the current wording, they are covered only if vaccinations are up to date. If vaccinations were not kept current, claims resulting from these illnesses would be excluded.

Tick fever

Tick-borne conditions usually fall under parasite-related exclusions, so they are generally not covered.

Skin allergies

Skin allergies are generally claimable as long as they are not pre-existing, meaning your pet was not already showing signs before coverage started or during the waiting period. Supplements, special shampoos, and special diets are not covered even if recommended by your vet.

Spaying, neutering, pregnancy, and birth

Spaying, neutering, pregnancy, and birth-related care are not covered. This includes routine sterilisation, reproductive care, pregnancy care, and birth-related treatment. These are routine or reproductive matters and fall outside the policy.

Alternative therapy, physiotherapy, and rehab

Alternative therapy, physiotherapy, hydrotherapy, massage, and rehab-style treatment are not covered. These are excluded under the policy even if recommended after an illness, injury, or surgery.

Since every case is looked at individually, if you are not sure about a specific condition, just ask us and we will check it against your plan.