Loki
10/28/2014 (start date)

$222.04 (policy amount for a year)

10/28/2015 (renewal date)

Pet name: Loki
Type of pet: Dog
Breed of pet: Poodle Mix
Inception date: 10/28/2014
Bronze plan Details
Veterinary fees $10,000
Deductible $200
Reimbursement level 90 %
monthly premium $21.50

Your detailed policy should reflect the coverage annual $ limit by type of service. BTW is that an annual veterinary fee $ 10,000 or a lifetime limit?

From the petplan website, it looks like an annual limit:

Dog Insurance & Puppy Insurance | Find the Best Plan | Petplan

That confirms what I found, but at least they have a board certified surgeon on site.

I am not able to see the page 6- wonder why..

Anyone else having this issues?

I am looking at page 6 right now. Maybe if you close and reopen your browser?

Just so everyone knows I am not able to view my thread past 5 pages.. Please note I am not ignoring anyone. It won't allow me to see page 6.

Bumping in the hope that the OP can read page 6 today, and also give us an update after Loki's appointment at the new clinic...

Thank you for bumping this as I can see now. I just got here at work from Lokis apt.

1. Arrived at 9:45 am sharp, they took me in. Dr. looked at his x-ray and confirmed loki has Hip dysplasia. Both of loki's knees move meaning loki has Luxating patella as well.

States Loki is very new(not enough a 1 year old) so would suggest we do hip surgery (by removing his ball joints) and then knee surgery as well.

He was shocked because hip dypslia is usually a big dog issues and not a toy breed.

I am moving forward with his surgery. I am getting a price quote today. I will upload- does anyone know how to upload on here? I haven't got the quote now.

Conclusion- this is sucks for us-- however loki is fully insured and therefore we are able to get the care he deserves. The doctor said if Loki was older then he wouldn't suggest this surgery (but pain management instead). Since loki is so young he will live a long productive healthy life.

oh no! I am so very sorry. Have you contacted the breeder? Is this considered hereditary? I have no idea, I would find out b/c that could affect insurance coverage vs. breeder responsibility.

anyone know the answer to that?

My insurance covers hereditary- doesn't cover per-existing. However my doctor indicated there is NO way to tell if this is hereditary--- so that is nothing he will be able to states. He states that by looking at all of Lokis records he DIDN"T have a pre-existing issues.

Thank you so much for updating us. I am just so sorry that your Loki has HD. So no Leggs Calves Perthes disease? Is the surgeon recommending Femoral Head Osteomy? Or some other surgical technique? Did the specialist give you a grading on the HD? Mild/Moderate or Severe?


I do know that FHO surgery is usually very successful in small breed toys!


I confess to some curiousity did you ask the specialist or did they comment that the Xrays taken by your vet were difficult to read, or the changes were very subtle? I am just wondering why the Banfield vets did not see that HD? As well as missing the diagnosis of the LP in both knees? What grade did the surgeon say it was?


Maybe your specialist can recommend a good experienced general vet for you and your Loki.


In terms of hereditary and or genetic diseases Hip Dysplasia is generally thought to be a polygenetic recessive disease that can be compounded by environmental factors.


I think you should let the breeder know of Lokis diagnosis - the specialist should be or already have done a written report - you can scan the report and send it onto the breeder. That breeder at the minimum needs to re-evaluate her breeding program.


Have you already scheduled a date for the surgery?

Sorry some more thoughts for your consideration


1. Will you seek a second expert opinion? This is not at all unusual with serious conditions and serious surgeries. Another expert can and may recommend a different surgical method, or timing of the surgery, etc


2. Did you ask the specialist about joint supplementation? I do have an article (which) you might like to read; I can send it to your private message box here.

He stated they would remove his ball joints (one surgery now, and one surgery about 6 months later) but during his first surgery of the hip he would want to operate on his knees at the same time.

He didn't have to redo the x-ray- indicated Banfiled did an excellent job but there not expertise at looking at surgery. Thus why I was referred over to them with their x-rays. He pointed things out to right away. Things that are clear now.

He indicated the surgery should be easy- but a heavy healing time about 3-6 months recovery period.

He did a exam, and then the board certified doc came in and did the exam as well. So there were two docs looking at him.

They are sending me the quote of this surgery. I am then moving on with a surgery date. For now keeping loki medicated (per docs request).

I imagine that you must feel relief at finding out for sure what is going on, but over-whelmed with all the information, and the worry that any major surgery carries with it.


There are more than a few members here that have had that surgery for their dogs, and some good threads on it.


Sending out some (((hugs to you))) and Loki just in case you both could do with a hug about now.