I have VPI pet Insurance and simce Cali went hypoglycemic before the effective date they excluded any charges for that. She also had a liver biopsy because of high Bile Acid test resuls and they denied them as hereditary. They do not cover any condition that your pet was being treated for or hereditary conditions. You can cancel anytime. I have it for accidents, or other major problems that develop. I pay 23.00 a month and it's worth the peace of mind should a major expense occur. Good luck with the test! |