Any and all experiences and information regarding buying pet insurance.... pricing, customer service, pre-existing condition clause? I need to buy asap, my 4 month old boxer is passing out. If there is a pre-existing c/c I'm worried that it wouldn't cover it, but without the insurance we may not have the money for extensive health issues. Please help me decide where to buy.. Thanks for your time.
Unfortunately insurance companies human or animal alike stay in business based on risk factors. The game plan in to bring in more through premiums than they will pay out. When I bought my insurance I did a lot of searching and even the ones that did not state initially they they excluded pre exisiting conditions, did say so in the fine print. All the companies I looked at asked for the vets address and phone number, they will call your vet and ask them to fax a copy of your dogs file. Depending on what the vet has determined to be the cause of the "passing out" you may still be able to get a pricier insurance to cover you, but it your vet considers it to be something that may be an on-going problem again the insurance companies are in business to make money not pay out money and would most likely exclude that entirely. Also bear in mind that all insurance companies will have a waiting period, most of at least a month before you can use it.
You are probably out of luck, most dont cover pre-exsiting. They can also drop your coverage if you have alot of health problems. I had seen it done to a grooming client of mine. I have written this in more detail in a post above yours, you can also check my opinion there. I find they are a waste of money.
I can tell you for sure that VPI doesn't cover pre-existing. When you buy the policy it goes into effect at the beginning of the following month after it is approved by underwriting. All but one of my cats have pre-existing conditions that are excluded because they will ask what vet care the animal has already had. Bailey's for a tail laceration. Now what are the odds that a future injury has anything to do with the injury that happened when she was 3 months old? You have to be honest theough because if a claim is in question, they will request all of your vet records from any vet that has seen the animal. And even worse than a pre-existing clause, read the fine print!! Mine doesn't cover congenital (since birth) disorders. My kitten that died had the insurance and the $3000 surgery that failed to save her life was denied because it was a congenital diaphragmatic hernia. The only thing they paid for was the cremation after she died. I'm still waiting on the appeal of that claim from June. But that was my fault for not reading all the details of the policy. I work for a medical insurance company but it just never occurred to me because most human insurance doesn't work that way. I still cover all of my other cats though because it will pay off when they get old.