Exclusions

Pre-existing Conditions and Policy Exclusions

Health problems existing before the policy begins are generally not covered. For the full Tesco Pet Insurance guide, start on the homepage.

A pre-existing condition can include previously diagnosed illnesses, existing injuries, symptoms noticed before insurance started, and ongoing medical problems.

For example, if a dog already has arthritis before taking out insurance, treatment related to that condition would generally not be included.

However, a previous unrelated health issue does not automatically exclude all future problems. Each claim is assessed according to policy terms.

Providing accurate information about your pet’s health history is important because incorrect details may affect future claims.