Frequently asked questions

Are pre-existing conditions excluded from my pet insurance policy?

Changes to how pre-existing conditions are handled for all Medibank pet insurance policies took effect on 1 December 2020 for any claims with treatment dates made on or after this date.

Pre-existing conditions are now assessed depending on whether they are considered a temporary or a chronic condition.

A temporary pre-existing condition is a pet health condition that usually resolves with treatment and is automatically removed as an exclusion from your policy if your pet hasn’t shown signs of that condition for 18 months or more prior to your claim treatment date.

A chronic pre-existing condition is a pet health condition that requires ongoing care or is more prolonged in nature, and affects your pet over a period that is greater than three months in total (the three-month period need not be consecutive). So if your pet displays one of these conditions prior to the purchase of a pet insurance policy or during its waiting period, it will never be coverable under the policy. 

Examples of pre-existing conditions that could be considered either temporary or chronic include:

  • Cruciate ligament conditions
  • Intervertebral disc disease
  • Hip dysplasia
  • Elbow dysplasia
  • Patella luxation
  • Endocrine diseases

All temporary pre-existing conditions are automatically removed from your pet insurance policy as an exclusion if your pet hasn’t shown signs or symptoms of that condition for 18 months or more, so there’s nothing more for you to do. But if you would still like to have a pre-existing condition on your pet insurance policy reviewed, you can do so anytime. Simply complete the pre-existing condition policy review form with your Vet and we’ll take care of the rest.

It is recommended you read the full explanation of how claims for pre-existing conditions will be handled.  We’ll be issuing new Product Disclosure Statements that outline all of these new terms shortly. You’ll find this available on our website here.

Things you should know

The information provided is general information only and is not a substitute for professional veterinary medical advice. Medibank Private does not guarantee the accuracy of any of the information, representations or advice contained. To the extent permitted by law, Medibank Private accepts no responsibility for any loss, injury or inconvenience sustained by readers of this website as a result of or in connection with the information contained on this website (whether by way of negligence or otherwise).

Medibank Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and is promoted and distributed by PetSure’s Authorised Representative (AR) Medibank Private Limited ABN 47 080 890 259, AR 286089. Terms, conditions, waiting periods and exclusions apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing. PDS and Target Market Determination available at

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