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02-09-2017, 05:21 PM | #1 |
YT 500 Club Member Join Date: Aug 2015 Location: New Yok, NY
Posts: 723
| Pet Insurance Pre-Existing Conditions? So happy I finally heard back from the rescue and I am getting Bella next week. I plan on getting her pet insurance my issue is that she has no previous medical records apparently so I will need to get her a wellness check asap for a baseline. With the pre-existing conditions issue I was thinking of just doing a wellness check with no blood work or urinalysis right away. Than a month later take her in again and do a full blood panel that way if anything shows up it will be covered. If I notice anything I will just play dumb with the insurance and say I just saw the issue start so that is why I am bringing her in and had blood work. I do hope there is no issues that pop up on the blood work but one will never know. I was looking for other opinions in this matter. I was hoping the rescue group would have copies of medical records but that is not the case apparently.
__________________ Ashley mom to Thumper and Bella RIP Boomer |
Welcome Guest! | |
02-09-2017, 07:51 PM | #2 |
Senior Yorkie Talker Join Date: Mar 2010 Location: Tampa Bay
Posts: 143
| We got Daisy from a rescue, but she is only 6mos old. I have Wall-e already covered and recently added Daisy to he insurance, letting them know that the only paperwork I have for her is her spay certificate and rabies certificate. They didn't question it.
__________________ Here comes Wall-e! and now Daisy too! Last edited by Wall-eWorld; 02-09-2017 at 07:52 PM. |
02-09-2017, 07:56 PM | #3 | |
YT 500 Club Member Join Date: Aug 2015 Location: New Yok, NY
Posts: 723
| Quote:
Worse case I will just take her to any vet get a wellness exam. Some in my neighborhood offer free first time visits and then take her to my own vet after all the waiting periods.
__________________ Ashley mom to Thumper and Bella RIP Boomer | |
02-10-2017, 04:28 AM | #4 |
Furbutts = LOVE Donating Member Moderator | Make sure you ask the specific ins company if they *require* the knees (patellas) to be checked for LP in yorkies, as some do.
__________________ ~ A friend told me I was delusional. I nearly fell off my unicorn. ~ °¨¨¨°ºOº°¨¨¨° Ann | Pfeiffer | Marcel Verdel Purcell | Wylie | Artie °¨¨¨°ºOº°¨¨¨° |
02-10-2017, 09:18 AM | #5 | |
YT 500 Club Member Join Date: Aug 2015 Location: New Yok, NY
Posts: 723
| Quote:
Does anyone know what the ASPCA clinic record includes? Apparently, that is what will be given to me according to the recue group. I called the Insurance Company and they will not take the spay certificate. They need to the records to list the basics that she was seen by a vet and all organs are healthy. For the knee waiver I asked what needs to be listed in the records and she needs to be seen by a vet within 30 days of the insurance and have it specifically state knees healthy and stable. I am hoping she has no issue with luxating patella. She is much smaller than Thumper so I am more nervous for her. Thumper has it but has no issue or pain that is why I did not get him the waiver and am just waiting the six month period.
__________________ Ashley mom to Thumper and Bella RIP Boomer | |
02-10-2017, 03:48 PM | #6 | |
Yorkie mom of 4 Donating YT Member Join Date: Feb 2008 Location: LaPlata, Md
Posts: 23,247
| Quote:
__________________ Taylor My babies Joey, Penny ,Ollie & Dixie Callie Mae, you will forever be in my heart! | |
02-10-2017, 08:08 PM | #7 |
YT 500 Club Member Join Date: Aug 2015 Location: New Yok, NY
Posts: 723
| I am using Figo Insurance. They require a knee waiver or else anything related to the knees has a 6 month waiting period. I think each insurance requires different things.
__________________ Ashley mom to Thumper and Bella RIP Boomer |
02-10-2017, 09:05 PM | #8 |
Yorkie mom of 4 Donating YT Member Join Date: Feb 2008 Location: LaPlata, Md
Posts: 23,247
| Yikes. I went with Healthy paws and all they wanted was our vet to fax over any records and then 2 weeks until he was covered for everything because he had nothing preexisting.
__________________ Taylor My babies Joey, Penny ,Ollie & Dixie Callie Mae, you will forever be in my heart! |
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