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-   -   Pet Insurance Pre-Existing Conditions? (https://www.yorkietalk.com/forums/general-yorkshire-terrier-discussion/290272-pet-insurance-pre-existing-conditions.html)

aweitzm1 02-09-2017 05:21 PM
Pet Insurance Pre-Existing Conditions?
 
So happy I finally heard back from the rescue and I am getting Bella next week. I plan on getting her pet insurance my issue is that she has no previous medical records apparently so I will need to get her a wellness check asap for a baseline.

With the pre-existing conditions issue I was thinking of just doing a wellness check with no blood work or urinalysis right away. Than a month later take her in again and do a full blood panel that way if anything shows up it will be covered.

If I notice anything I will just play dumb with the insurance and say I just saw the issue start so that is why I am bringing her in and had blood work. I do hope there is no issues that pop up on the blood work but one will never know.

I was looking for other opinions in this matter. I was hoping the rescue group would have copies of medical records but that is not the case apparently.

Wall-eWorld 02-09-2017 07:51 PM
We got Daisy from a rescue, but she is only 6mos old. I have Wall-e already covered and recently added Daisy to he insurance, letting them know that the only paperwork I have for her is her spay certificate and rabies certificate. They didn't question it.

aweitzm1 02-09-2017 07:56 PM
Quote:
Originally Posted by Wall-eWorld (Post 4694453)
We got Daisy from a rescue, but she is only 6mos old. I have Wall-e already covered and recently added Daisy to he insurance, letting them know that the only paperwork I have for her is her spay certificate and rabies certificate. They didn't question it.
That is good to know. I am going to call tomorrow my insurance company and see if the certificate is enough documentation. I just heard back from the rescue and Bella will be seen by the vet on Saturday but medical records will not be as detailed as a private vet. Not exactly sure what that means but they said it should be sufficient for the insurance.

Worse case I will just take her to any vet get a wellness exam. Some in my neighborhood offer free first time visits and then take her to my own vet after all the waiting periods.

Wylie's Mom 02-10-2017 04:28 AM
Make sure you ask the specific ins company if they *require* the knees (patellas) to be checked for LP in yorkies, as some do.

aweitzm1 02-10-2017 09:18 AM
Quote:
Originally Posted by Wylie's Mom (Post 4694569)
Make sure you ask the specific ins company if they *require* the knees (patellas) to be checked for LP in yorkies, as some do.


Does anyone know what the ASPCA clinic record includes? Apparently, that is what will be given to me according to the recue group.


I called the Insurance Company and they will not take the spay certificate. They need to the records to list the basics that she was seen by a vet and all organs are healthy.


For the knee waiver I asked what needs to be listed in the records and she needs to be seen by a vet within 30 days of the insurance and have it specifically state knees healthy and stable. I am hoping she has no issue with luxating patella. She is much smaller than Thumper so I am more nervous for her.


Thumper has it but has no issue or pain that is why I did not get him the waiver and am just waiting the six month period.

Lovetodream88 02-10-2017 03:48 PM
Quote:
Originally Posted by aweitzm1 (Post 4694671)
Does anyone know what the ASPCA clinic record includes? Apparently, that is what will be given to me according to the recue group.


I called the Insurance Company and they will not take the spay certificate. They need to the records to list the basics that she was seen by a vet and all organs are healthy.


For the knee waiver I asked what needs to be listed in the records and she needs to be seen by a vet within 30 days of the insurance and have it specifically state knees healthy and stable. I am hoping she has no issue with luxating patella. She is much smaller than Thumper so I am more nervous for her.


Thumper has it but has no issue or pain that is why I did not get him the waiver and am just waiting the six month period.
What insurance are you looking at? Mine never asked to have the knees done but maybe its different because I was signing a puppy up.

aweitzm1 02-10-2017 08:08 PM
Quote:
Originally Posted by Lovetodream88 (Post 4694744)
What insurance are you looking at? Mine never asked to have the knees done but maybe its different because I was signing a puppy up.
I am using Figo Insurance. They require a knee waiver or else anything related to the knees has a 6 month waiting period. I think each insurance requires different things.

Lovetodream88 02-10-2017 09:05 PM
Quote:
Originally Posted by aweitzm1 (Post 4694795)
I am using Figo Insurance. They require a knee waiver or else anything related to the knees has a 6 month waiting period. I think each insurance requires different things.
Yikes. I went with Healthy paws and all they wanted was our vet to fax over any records and then 2 weeks until he was covered for everything because he had nothing preexisting.


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