What's a pre-existing condition?

A pre-existing condition is any illness or injury or any symptoms or signs of an illness or injury that your pet suffered or had in any form before your first RACQ Pet Insurance policy started or during any applicable waiting period.

We will also regard a condition as being pre-existing if the condition or any symptoms or signs of the condition occur during any applicable waiting period - whether or not a vet has diagnosed or treated it before your first policy started. Refer to our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations for more information.