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                                        What constitutes a pre-existing condition?
 
A pre-existing condition means a condition, disease, illness, injury, infirmity or weakness, which either existed or showed clinical signs of existing or which was treated before the inception date of the first policy period or within the applicable time excess or the recurrence of such a condition, disease, injury, illness, infirmity or weakness.
 
Please note the following:

  1. To be a pre-existing condition, the condition or illness, etc. need not have been treated before the start date of the policy it needs only to have existed. It does not matter whether you knew about it or not, at the time of application or at the start date of the policy.
  2. Any condition, illness, etc. that did not exist at the start date of the policy but which arises/occurs during the time excess or waiting period of the policy is also classified as a pre-existing condition. These periods range from 30 days to 180 days (depending on the condition). Potential policy holders must make very sure to ask about this before signing on for a policy.
Usually conditions due to accidents happening during the time excess/waiting period are covered, but some policies do apply a time excess/waiting period for accidents also. Please ask before signing anything.

www.genricpet.co.za
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There is often a lot of confusion as to the difference between a Prebiotic and  Probiotic and what each of them do. We had this article on file by Dr. Patty Khuly which will give you more information.
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After attending a lecture by Prof Michail Dryden of Kansas State University, he clarified for me why it sometimes appears that flea control products don’t seem to work any more.
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If I am on a Pet Medical Insurance Plan and I find another one I prefer, can I change, and if so, how?
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