Elevated ALT at 168 but no other issues...

[107barney]

Originally Posted by Dayswalters

I was wondering about pet insurance now that she has had this test, would it keep her from being covered by pet insurance. I was planning to change companies in Nov. when her current contract ends because I found a company I like better. If I switch her over, and she later develops liver related concerns, would this 1 ALT test keep her from being covered?

Yes, the insurance company will flag this. It depends on the company how it's treated but Embrace flagged elevated ALT on one of my dogs as pre-existing. I personally wouldn't switch companies in case she does have an issue.

[107barney]

Originally Posted by Dayswalters

I went ahead and added Healthy Paws Insurance now. I know that I will be paying for 2 insurances for a few months but Im hoping that if it turns out that Bonnie has any issues that they will be covered because ALL of her previous vet visits were great. The only thing out of the ordinary was this one blood test which the doc said could be a result of toxins. If it turns out that they won't cover her, I can cancel with only a small penalty.

I'm not sure if healthy paws will do a medical review but if so you could ask them about the exclusions.

[Dayswalters]

I did ask them and they said as long as the vet said she was healthy, that I was ok. I still have my original insurance so that if there is a problem and Healthy Paws won't cover it, I still have coverage. It's just that my deductible is higher, monthly payements are higher and the coverage is only 70% vs. 90%. If I wait, I know that if the vet says there is any problem, I wouldn't have any hope of changing companies. This way, I have a chance at least. I'm hoping it won't be an issue. On the vet report the vet attributes the elevated ALT as most likely toxin exposure. It may all be an effort in futility but I'm hoping I'll be able to make the switch.

[107barney]

Originally Posted by Dayswalters

I did ask them and they said as long as the vet said she was healthy, that I was ok. I still have my original insurance so that if there is a problem and Healthy Paws won't cover it, I still have coverage. It's just that my deductible is higher, monthly payements are higher and the coverage is only 70% vs. 90%. If I wait, I know that if the vet says there is any problem, I wouldn't have any hope of changing companies. This way, I have a chance at least. I'm hoping it won't be an issue. On the vet report the vet attributes the elevated ALT as most likely toxin exposure. It may all be an effort in futility but I'm hoping I'll be able to make the switch.

I read some of their website. As soon as you send her records in, they'll flag it as prexisting regardless of whether she had a diagnosis. What other company are you using?