Just a little warning about Pet Insurance - Havanese Forum : Havanese Forums
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post #1 of 31 (permalink) Old 07-24-2011, 05:26 AM Thread Starter
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Just a little warning about Pet Insurance

Tuesday night, I had to take Scuds to the vet. They ran all kinds of test on him because his front leg was lame. I thought maybe it was a sprain, because it came on so suddenly. One minute he was running up a flight of stairs and the next, he couldn't move. He was weak and lame. Turns out he has Lyme...

Long story short, bill came to 535.00. Insurance is to cover about 270.00 of that amount. They told me the only way they would pay me is if I could come up with 2 years of consecutive tick prevention receipts! They said, Lyme can be prevented and we need to know you were religiously using Frontline. I buy my frontline online and it's usually from different sites. I also buy the large dog formula and measure it out. I was able to track down all receipts for 2 years except for a 3 month period. Let's see how they handle this......

If I had a heart attack would my health insurance deny me coverage because I had a poor diet? WTF!






Last edited by lfung5; 07-24-2011 at 05:28 AM.
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post #2 of 31 (permalink) Old 07-24-2011, 07:19 AM
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post #3 of 31 (permalink) Old 07-24-2011, 08:02 AM
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I'm sorry about Scudder and I hope you get it worked out with the insurance company. That's so frustrating.

How soon after getting bit by the tick did he start showing symptoms?

Julie, Piper and Riley

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post #4 of 31 (permalink) Old 07-24-2011, 09:07 AM Thread Starter
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I'm sorry about Scudder and I hope you get it worked out with the insurance company. That's so frustrating.

How soon after getting bit by the tick did he start showing symptoms?
I'm not sure. I never found a tick on him. I will tell you that it came on fast! He had no other symptoms beside the lame leg. He was running around and then suddenly couldn't walk. I immediately call the vet. He tested positive to 2 tick borne diseases. Within 2 days of taking Doxy he was walking again





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post #5 of 31 (permalink) Old 07-24-2011, 09:13 AM
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That's awful!

If I were you, I'd ask your vet to double check their records and show them the gap, maybe they would be willing to help you out and cover the time, especially if you can prove the consistency over the years,

Which insurance do you have?

Kara
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post #6 of 31 (permalink) Old 07-24-2011, 09:48 AM
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Linda , that sucks. Yeah it's good to keep records of vacs , physicals etc. Lots of fineprint in these contracts. Tell them they're toast if they don't pay. Hope Scudder is fine after this. Hugs and woofs Dave and Molly.

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post #7 of 31 (permalink) Old 07-24-2011, 10:25 AM Thread Starter
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That's awful!

If I were you, I'd ask your vet to double check their records and show them the gap, maybe they would be willing to help you out and cover the time, especially if you can prove the consistency over the years,

Which insurance do you have?

Kara
Thanks guys! Scudder is feeling 100%. He actually got his first walk yesterday.

Kara,
I have Petplan. I think all the companies have the same policy. I'm just worried because my sister and Brady's mom have ordered tick prevention for me over the years. It saves on shipping etc. I know now, not to do that. i do feel my vet will back me, as they now what a freak I am about keeping ticks off my dogs. I actually use the Preventick collar along with the Frontline!





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post #8 of 31 (permalink) Old 07-24-2011, 10:35 AM
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(((Scudder)))

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post #9 of 31 (permalink) Old 07-24-2011, 11:36 AM
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Hope Scudder is feeling better, and this all works out.
Thanks for letting us know what would be expected.
I do not have pet insurance but was thinking about.

Special belly rubs to Scudder.
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post #10 of 31 (permalink) Old 07-24-2011, 12:06 PM
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Linda, I am so glad Scudder responded so quickly. I HATE TICKS! 30 days of doxy right?

I don't know if they are finding the same thing in dogs...but azythromicin is actually now the preferred antibiotic for humans. I guess it kills the bacteria and more co-infections than doxy.

I amso glad you had the records!




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