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Originally Posted by yorkietalkjilly  And none of the conditions you describe fell under some pre-existing conditions clause and have or will be covered by this insurance plan? I am definitely interested in that plan. Did you say it is Pet Plan? |
Some companies cover per existing and genetic conditions if they are not yet diagnosed and there are no symptoms present before the waiting period is up. There are exclusions, but I think petplan is very fair. Sometimes I think the negative reviews come from people that didn't read the fine print, but we haven't had insurance for too long, so my jury is still out on the company. There is a six month waiting period before knees are covered, but if a vet clears them then the waiting period is waived. Some companies also consider a condition pre existing when the new insurance year starts and they no longer cover it, so you have o be very careful.
Even a few nights in the hospital for pancreatitis is thousands. When the heart or kidneys start to fail hospital monitoring at the ER is extremely expensive because it's hard to manage. Diabetes can get really expensive. Addison's and cushings. Then there are the more advanced things like cancer..some owners choose chemo or radiation. If you'd want o see an oncologist and go all out it will add up. Intestinal issues which are so common in yorkies get really spendy over time. A diagnostic endoscopy with biopsy is a thousand plus.
It's really no fun to see almost totally healthy animals come into the ER and get euthanized because somebody couldn't do a couple grand. It's understandable, but vey sad.
Now that Ive scared everybody, I have to go give Ry his bladder antibiotic and Ellie her pain meds.
