What's a pre-existing condition?
A pre-existing condition simply means your pet had an injury or illness (signs, symptoms, treatment, or a vet diagnosis) before your first policy with us started. Refer to our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations for more information.
Can a pre-existing condition be covered?
We will waive the pre-existing condition if your vet certifies your pet has been symptom free for 18 months and the condition is not lifelong with no cure. We will send you written confirmation agreeing to cover your pet for that condition under your policy and an updated Certificate of Insurance.
To submit your application for your pet’s pre-existing condition to be waived:
- You need to provide a full treatment history from each vet you have attended with your pet to certify that your pet’s been free of clinical signs, symptoms and reoccurrence of the pre-existing condition for the past 18 months.
- Complete our pre-existing condition waiver form.
- Lodge your form and full treatment history via email or drop it into an RACQ store.
- We’ll look at your case and provide written confirmation on the outcome of your request.
Can my pet be insured?
Most pets can get pet insurance regardless of their breed and health conditions. This means you could pay less if your pet is young or considered a healthier breed than others. Read our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations for more information on what illness or injury we can cover, or call 13 1905 and one of our consultants will be happy to help.
RACQ Pet Insurance
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Things to note
Insurance Products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQI) and arranged by its agent, RACQ Distribution Services Pty Ltd (RDS) ABN 35 116 361 650, AFSL 567130 and RDS' authorised representatives (including RACQ Operations Pty Ltd ABN 80 009 663 414, AR No. 234978 (RACQO). Conditions, limits and exclusions apply. RDS and RACQO are in the RACQ group of companies. One of the companies in the RACQ group of companies has a minority shareholding in RACQI.
RDS and RACQO have not taken your personal objectives, circumstances or needs into account when preparing advice regarding insurance products and you will need to consider whether the advice is appropriate for you. Read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website. RDS receives a commission from RACQI for the policies it arranges. RACQO receives fees paid for services it provides to RDS. Further details about remuneration are available on request prior to purchasing.
RACQ Insurance may need to collect personal information from you to support you with your inquiry, assess your eligibility for any of our products or services, or to provide general support. By providing your details, you agree to RACQ Insurance collecting, holding, using, and disclosing your personal information pursuant to our Privacy Statement and Insurance Privacy Collection Notice, available from racq.com or you can request a copy.