Can I enroll my pet if he/she has a diagnosed medical condition?

Regardless of whether your pet has had any prior illnesses, as a pet owner, you can insure your pet aged between 13 weeks and 11 years. During the insurance application process, we require you to disclose your pet’s medical history. Such medical history will not affect the underwriting process, yet it will be recorded as part of the insurance application. Claims decisions will be made based on the policy coverage and relevant terms. Please note that any misrepresentation, wrong description, or failure to disclose information may affect the validity of the policy.
　

“Pre-existing Medical Conditions”

If your pet is diagnosed with an illness or experiences health issues before the policy takes effect or during the waiting period, and such conditions are classified as pre-existing conditions as outlined in the policy terms, the pet owner will not be able to claim medical expenses arising from these conditions. For more details, please refer to the Policy Wording terms.
　

"Accidents and illnesses occurring during the waiting period"

Additionally, any accidents or illnesses that occur before the end of the policy's waiting period are not covered.

After the waiting period, the policy will cover medical expenses incurred from covered accidents or illnesses. Therefore, we recommend pet owners to insure their pets as early as possible, ensuring more comprehensive health coverage for your furry friend.