So long as your dog or cat is at least eight weeks old you can take out a pet insurance policy, allowing them to be covered for specified accidental injuries immediately.
There are, however, waiting periods to consider for other coverage. There is usually a 30-day waiting period for illness and a longer 6-month waiting period for cruciate ligament conditions. However, with RSPCA Pet Insurance this may be waived on the application, so call now on 1300 855 150 to discuss your pet’s situation.
If a condition exists or occurs during the waiting period or before the commencement date of the first policy period, it will be considered a pre-existing condition and may be excluded from cover. Whether that is the case will depend on the nature and experience of the condition, and some conditions are eligible for review after an 18-month period. For more information please refer to the relevant Policy Booklet.