[Britster]

Originally Posted by KendraE

It will cover it. It does not cover ANY pre existing.... So the sooner you get insured the better! It will cover LP, but has a 6 month wait unless you take your dog to the vet and he notes the knees appear normal. Then say in 3 months, the pup suddenly need LP surgery....it would cover.

Originally Posted by Sweet Apple

Brit...Apple had clean knees up 'till her 12 month check up, and had the reports to say so...Because of this, she "is" covered for LP now, because the insurance was already in place...You can't have a pre-existing condition, when you take out the policy...ie: liver shunt, LP, collapsed trachea, etc...As long as your pup has a clean bill of health, when the policy goes in force, anything that happens afterwards is covered, including genetic issues that are pre-disposed to Yorkies....

Originally Posted by LuvTaycieGirl

I think the insurance companies vary.. When I spoke with the Trupanion rep the way she explained it to me is, If their are no symptoms prior to coverage then their is no reason this could be a "pre-existing" condition. Basically She said as long as she is healthy she is covered. Trupanion does not require a vet check before covering insurance.

I know this is different with Pet Plan as mentioned previously... they require a vet check concerning LP.

The reason I went with Trupanion is there is no life time limit. And it covers the catastrophic cases. It does not unfortunelty cover vet visits, dentals or any preventative care.

This, I am ok with. I can plan for my yearly vet visits, dentals, etc. Plus, the plans that offer preventative care, can get expensive a month. For me, It's the crazy stuff like LP, Liver Shunts, Kidney disease, HGE that I can't plan for.

I pay 39 for Taycie a month, this covers Hip displaysia if added before their first birthday. I also Opted for no deductible. You can also choose your deductible from 50 up to 1000.

Thanks guys!!!