What isn’t covered under HIF Pet Insurance?

HIF  Australia
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Like most insurance policies, there are certain situations where you will not be covered – such as exclusions and benefit limits to help keep premiums competitive.
These include:

  • Conditions which occurred prior to commencement of your first policy period or during any applicable waiting period (‘pre-existing conditions’)
  • Dental procedures and fractured teeth (unless you have elected Routine Care or Dental Illness Cover which provides a contribution up to the applicable sub-limits)
  • Routine or preventative Treatments (unless you have Routine Care Cover which provides a contribution up to the Routine Care limits)
  • Some Elective Treatments and procedures 
  • Behavioural problems, food and diets, pregnancy and grooming. 
  • Pre-existing conditions that showed clinical signs before you took out HIF Pet Insurance or during any applicable waiting period (you may be eligible for a Pre-existing Condition Review, for more information, please refer to this page or the PDS)

There may also be specific exclusions which may apply to specific levels of Cover. 

You should carefully read the Product Disclosure Statement (PDS) for a comprehensive list and full explanation of policy exclusions.

Category:Pet Insurance