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Originally Posted by yorkieusa  You want to read the exclusions rather than what is included. Genetic issues are a good example. I haven't looked at the insurance lately, but I was thinking that genetic issues are excluded???? And perhaps pre-existing problems. |
Yes that is the kicker on most insurance plans. Trupanion here in Canada is the only one that will cover genetic issues.
I am thinking with my next pup I will try for insurance too, some of the things I would look for; for a Yorkie, and some apply to all dogs.
General: No increase in rates based on claims experience. No lifetime limit unless it is really large amount of $$ Say $30,000.
2. Prompt and timely payout of claim
3. No necessity to get every treatment pre approved by insurer.
Genetic: All genetic issues are covered; and or a statement including any injury or sickness incurred over the lifetime of the policy.
If they exclude some genetic illnesses; what are they?
For Yorkies: Coverage for Luxating Patella - surgery and repair? Collapsing Trachea Hip Dysplasia and or Leggs Perthes Elbow Dysplasia?
Autoimmune disorders?
Also medications necessary to treat any of the illnesses above. Prescribed Physiotherapy treatments for diagnosed injuries.
Coverage when travelling out of the country?
Any specific performance events "excluded" from the policy.