WHAT IS A PRE-EXISTING CONDITION?
A pre-existing condition is a sickness or bodily injury for which medical advice, diagnosis, care or treatment was recommended or received within the 6-month period prior to the covered persons effective date of coverage. Benefits for pre-existing conditions are not payable until the covered persons coverage has been in force for 12 consecutive months with HAP.
A pre-existing condition is defined as any injury or sickness for which diagnosis has been made, treatment has been recommended, treatment has been rendered, or expenses have been incurred within 6 months prior to becoming covered under the plan. It includes any condition manifesting itself in symptoms which would cause an ordinarily prudent person to seek medical advice, diagnosis, care or treatment.
A pre-existing condition is a condition which first occurred or showed clinical signs before the pet’s coverage started or which occurred during the policy waiting period. This would include conditions that have not yet been clearly diagnosed, are currently in remission, seasonal or being controlled via prescription medications. These conditions are normally excluded from the policy as the coverage is there to insure against future conditions and not to pay for conditions that your pet is already suffering from.
