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03-23-2014, 10:18 PM
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Join Date: May 2011
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Originally Posted by Agnostic View Post
Not true. When making a claim the insurer will look at all existing medical records since birth, pre-existing conditions are not covered.

I know this from experience.

My dog was insured at 2 years old, and he had knee problems at 4 years old. The insurer didn't cover a $1800 surgery because they examined vet records and at a very early age the vet had noted looseness in his knees and possible arthritis.

Our research found that this is standard in all the major animal insurance plans.
Also, if you make a claim on a condition that condition is not covered again, and your premiums will go up.

Better to sock away $40 a month and pay out of pocket.
These plans rarely work in the pet owners favour.
Maybe it depends where you insure you dog.

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