|Barked: Fri Nov 2, '12 3:47pm PST |
|I work in human health insurance. Pre-existing is generally defined as a condition that existed prior to the coverage effective date for which there has been a diagnosis, treatment or symptoms were evident. It's that last bit that is the catch...just because you didn't go to the vet and get a dx, if you report that symptoms existed before coverage took effect, it's still pre-existing.
With your guy, unfortunately, it is clearly pre-existing. Have you checked into Care Credit? It's financing for non-covered healthcare expenses, including vet services. Also, if you need meds, Walgreen's has a GREAT drug discount program that pets are eligible for. You pay $30/year, but I generally see about a 60% savings on the cost of meds.
I did a ton of research before taking out Duke's policy. He is insured through PetPlan and I HIGHLY recommend them. They cover genetic conditions, alternative treatments (including acupuncture, chiro, Chinese herbs, water therapy) and I have never, EVER had hassle with a claim being paid. They guarantee coverage for life--your pet will never be dropped due to high claim costs. Each year the premium is age-adjusted, but never adjusted based on your individual claim experience. There are lots of plan options available to fit different budgets.
They do not cover routine care, but I'm OK with this. That's an expense I expect with pets. I want insurance for the big stuff...like when Duke got a MRSA infection in his stifle last year that nearly killed him. After 10 days in a University vet school hospital and $12,000 later, they covered everything. Enough said.
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