Comments on: Pet Insurance Pre Existing Condition – Is It A Problem?

By: Dale G.

Dale G. — Tue, 08 Jun 2010 23:28:12 +0000

Is pet insurance a waste if you have a rescued dog? I would imagine the claims department could deny everything as a “pre-existing” condition since a rescue generally has no medical record.

By: christine

christine — Tue, 08 Dec 2009 04:14:53 +0000

is there any ins. companies that do deal with pre existing ? thank you, christine

By: Val

Val — Sat, 28 Feb 2009 19:53:16 +0000

We took out an insurance policy for our 10 year old Jack Russell on 1 July 08. We took her to the vets on 31 December as for a few months she had been drinking and weeing a lot and her hair was getting very thin. After Christmas she had tests which showed she had Cushings Disease and to date the cost has been around £1300. Today we have received a letter from our insurance company saying they will not pay as it is a pre-existing condition. The only reason we can think they have come to this conclusion is that when we took her for her annual vaccinations about a three weeks before taking out the insurance, we mentioned in passing that she was losing hair from her tail and the vet took a urine sample which proved negative, commenting that it could be hormonal. We presume the vet must have put this date as the start date of the condition but they gave us no indication at the time that this was the case as it was not diagnosed until January this year. Is the insurance company within their rights to refuse to pay as we had no knowledge at the time and were not given any indication from our vets either until January this year, well into the policy?

By: me

me — Mon, 09 Feb 2009 13:51:06 +0000

my pet is insured but 7,000 of treatment and his swelling on the brain hasn’t gone. We now have to pay for his next MRI scan ourselves. our dog is only 2yrs old and still catching frisbees, but the swelling could get worse. check your insurance limits carefully when buying insurance

By: jessica

jessica — Thu, 22 Jan 2009 22:01:38 +0000

I just found out my dog has Cushing’s, and started looking into pet insurance. I used to roll my eyes at the commercials on TV, but now I wish I had purchased a policy before she got sick.

It is okay that insurance companies are trying to make money… isn’t that what businesses do? They make money, but hopefully the policy holder also benefits. Its no one’s fault but my own that I did not have pet coverage. I’m not going to get upset because the insurance companies won’t cover my pet, or that they want to charge me a crazy amount for insurance. I know how expensive treatment is, and so do they. They have to operate in a manner that will allow them to continue doing business.