Most pet insurance policies in Australia exclude pre-existing conditions, although the definition and any condition-specific rules can vary between insurers. Check the Product Disclosure Statement for waiting periods, exclusions, excesses, annual benefit limits, sub-limits and whether routine care is included. You may also need to disclose your pet’s veterinary history, and failing to provide complete information could affect a future claim. Compare policies through the insurer or a licensed insurance professional, and confirm the details directly with the provider before buying.