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by Aureal on 17 June 2009 - 13:06
Information on VPI website of conditions not covered.
http://www.petinsurance.com/Plans-And-Coverage/Dogs/Plans-for-Dogs/Whats-Not-Covered.aspx
Pre-Existing Conditions
A pre-existing condition is an injury or illness that began or was contracted, manifested or incurred before the date the policy coverage began. Some pre-existing conditions are temporary and may be covered during the policy term if the condition has been cured for at least six months (medical records from your veterinarian are required). Some pre-existing conditions are permanent and will not be covered.
Congenital disorders or developmental defects are pre-existing conditions by definition. Congenital disorders are abnormalities that are present at birth and can cause illness or disease.
This includes the following: (from the link on their site)
Cardiovascular System: Aortic or pulmonic stenosis; mitral valve dysplasia; cardiac septal deftects
Digestive System: malocclusion (misalignment of teeth); esophageal diverticulum; hiatal hernia; meckel;s diverticulum; congenital megacolon
Pancreatic, Chologio and Hepatic: (Pancreas, Gall Bladder, and Liver) Portosystemic or portovaval shunt; hepatic microvascular dysplasia
Dermatologic System: dermoid sinus; collagen disorders; excessive skin folds
Respiratory System: Brachycephalic airway syndrome; stenotic nares; elongated soft palate; everted laryngeal saccules; tracheal hypoplasia
Reporductive System: Cryptochidism; recessed juvenile vulva; vaginal stricture; hermaphroditism
Urnicary System: Persistance urachus; ectopic ureter; pelvic bladder
Ophthalmic System: (eyes) imperforate lacrimal punctum; persistent pupillary membrane; retinal folds; goniodysgenesis; exophthalmos
Nervous system: Spinal deformities; hydrocephalus; caudal occipitcal malformation syndrom; syringomyelisa and hydromyelia; Myptonia
Aural: (ears) Congential deafness; Pinnal malformations
Musculoskeletal System: Brachycephalic syndrom; vertebral malformations - stenosis, hemivertebra; kinked or cordk screwed tail; peritoneopericardial hernia; inguinal and umbilical hernias
Endocrine System: Pituitary dwarfism
Hematopoietic System: (Blood Disorders) Immunoglobulin deficiencey
This page goes on to say that this is not an all inclusive list but these are the most common and they will not cover any thing listed as congential even if not on this list.
Hereditary Disorders
Hereditary disorders are abnormalities that are genetically transmitted from parent to offspring and may cause illness or disease. There are certain breed-specific hereditary conditions that are not covered by VPI.
For the GSD that is: (from the link provided on their site)
Calcinosis circumscripta, Degenerative myelopathy, Dermatomyositis,
Exocrine pancreatic insufficiency, Lupoid onychopathy, Nodular
dermatofibrosis, Pannus (superficial keratitis)
Anterior Cruciate Ligament Injuries Within First 12 Months of Coverage
The diagnosis, medical management or surgical correction of anterior cruciate ligament (ACL) damage or rupture that occurs during the first 12 months of the policy is not covered. Diagnosis and treatment of ACL injuries after the policy has been continuously in effect for longer than 12 months will be covered.
Conditions Not
http://www.petinsurance.com/Plans-And-Coverage/Dogs/Plans-for-Dogs/Whats-Not-Covered.aspx
Pre-Existing Conditions
A pre-existing condition is an injury or illness that began or was contracted, manifested or incurred before the date the policy coverage began. Some pre-existing conditions are temporary and may be covered during the policy term if the condition has been cured for at least six months (medical records from your veterinarian are required). Some pre-existing conditions are permanent and will not be covered.
Congenital disorders or developmental defects are pre-existing conditions by definition. Congenital disorders are abnormalities that are present at birth and can cause illness or disease.
This includes the following: (from the link on their site)
Cardiovascular System: Aortic or pulmonic stenosis; mitral valve dysplasia; cardiac septal deftects
Digestive System: malocclusion (misalignment of teeth); esophageal diverticulum; hiatal hernia; meckel;s diverticulum; congenital megacolon
Pancreatic, Chologio and Hepatic: (Pancreas, Gall Bladder, and Liver) Portosystemic or portovaval shunt; hepatic microvascular dysplasia
Dermatologic System: dermoid sinus; collagen disorders; excessive skin folds
Respiratory System: Brachycephalic airway syndrome; stenotic nares; elongated soft palate; everted laryngeal saccules; tracheal hypoplasia
Reporductive System: Cryptochidism; recessed juvenile vulva; vaginal stricture; hermaphroditism
Urnicary System: Persistance urachus; ectopic ureter; pelvic bladder
Ophthalmic System: (eyes) imperforate lacrimal punctum; persistent pupillary membrane; retinal folds; goniodysgenesis; exophthalmos
Nervous system: Spinal deformities; hydrocephalus; caudal occipitcal malformation syndrom; syringomyelisa and hydromyelia; Myptonia
Aural: (ears) Congential deafness; Pinnal malformations
Musculoskeletal System: Brachycephalic syndrom; vertebral malformations - stenosis, hemivertebra; kinked or cordk screwed tail; peritoneopericardial hernia; inguinal and umbilical hernias
Endocrine System: Pituitary dwarfism
Hematopoietic System: (Blood Disorders) Immunoglobulin deficiencey
This page goes on to say that this is not an all inclusive list but these are the most common and they will not cover any thing listed as congential even if not on this list.
Hereditary Disorders
Hereditary disorders are abnormalities that are genetically transmitted from parent to offspring and may cause illness or disease. There are certain breed-specific hereditary conditions that are not covered by VPI.
For the GSD that is: (from the link provided on their site)
Calcinosis circumscripta, Degenerative myelopathy, Dermatomyositis,
Exocrine pancreatic insufficiency, Lupoid onychopathy, Nodular
dermatofibrosis, Pannus (superficial keratitis)
Anterior Cruciate Ligament Injuries Within First 12 Months of Coverage
The diagnosis, medical management or surgical correction of anterior cruciate ligament (ACL) damage or rupture that occurs during the first 12 months of the policy is not covered. Diagnosis and treatment of ACL injuries after the policy has been continuously in effect for longer than 12 months will be covered.
Conditions Not
by Aureal on 17 June 2009 - 13:06
Conditions Not Listed
Your dog may incur conditions that are not covered by VPI and are not included on your policy’s benefit schedule. Conditions not listed in the benefit schedule are not covered. For a list of some excluded conditions, please click here.
This includes the following: (from the link on their site)
Musculoskeletal: Hip dysplasia; elbow dysplasia; osteochondritis dissecans; aseptic
necrosis of femoral head; cervical vertebral instability/Wobblers;
patellar luxation
Urinary: Renal dysplasia; cystine or urate urolithiasis
Respiratory: Collapsed trachea
Ocular: Prolapsed gland of the 3rd eyelid; everted, scrolled or inverted cartilage
of the 3rd eyelid; distichiasis; trichiasis; ectopic cilia; ectropion;
entropion; primary glaucoma; retinal dysplasia; progressive retinal
atrophy; corneal dystrophy; cataracts of dogs 6 yrs of age and younger,
unless secondary to documented injury or diabetes mellitus.
Endocrine: Sex hormone dermatosis and growth hormone dermatosis
Blood Disorders: Hemophilia; inherited coagulation (bleeding) disorders; von Willebrand’s
disease
Multi-systemic: Histiocytosis (cutaneous, systemic and malignant forms)
Other Excluded Conditions
Elective and cosmetic procedures
Expression or removal of anal glands or anal sacculitis
Breeding or conditions related to breeding
Special diets, pet foods, vitamins, mineral supplements, boarding or transporting expenses and grooming costs
Diseases that are preventable by vaccines
Behavioral problems
Diagnosis of, or treatment for, internal or external parasites
Orthodontics, endodontics and removal of deciduous teeth
Diagnostic tests and treatments for conditions excluded or limited by the policy, or complications arising from conditions excluded or limited by the policy
Routine examinations, vaccines, teeth cleaning and spay/neuter procedures, unless optional Pet Well Care Protection coverage is purchased
Your dog may incur conditions that are not covered by VPI and are not included on your policy’s benefit schedule. Conditions not listed in the benefit schedule are not covered. For a list of some excluded conditions, please click here.
This includes the following: (from the link on their site)
Musculoskeletal: Hip dysplasia; elbow dysplasia; osteochondritis dissecans; aseptic
necrosis of femoral head; cervical vertebral instability/Wobblers;
patellar luxation
Urinary: Renal dysplasia; cystine or urate urolithiasis
Respiratory: Collapsed trachea
Ocular: Prolapsed gland of the 3rd eyelid; everted, scrolled or inverted cartilage
of the 3rd eyelid; distichiasis; trichiasis; ectopic cilia; ectropion;
entropion; primary glaucoma; retinal dysplasia; progressive retinal
atrophy; corneal dystrophy; cataracts of dogs 6 yrs of age and younger,
unless secondary to documented injury or diabetes mellitus.
Endocrine: Sex hormone dermatosis and growth hormone dermatosis
Blood Disorders: Hemophilia; inherited coagulation (bleeding) disorders; von Willebrand’s
disease
Multi-systemic: Histiocytosis (cutaneous, systemic and malignant forms)
Other Excluded Conditions
Elective and cosmetic procedures
Expression or removal of anal glands or anal sacculitis
Breeding or conditions related to breeding
Special diets, pet foods, vitamins, mineral supplements, boarding or transporting expenses and grooming costs
Diseases that are preventable by vaccines
Behavioral problems
Diagnosis of, or treatment for, internal or external parasites
Orthodontics, endodontics and removal of deciduous teeth
Diagnostic tests and treatments for conditions excluded or limited by the policy, or complications arising from conditions excluded or limited by the policy
Routine examinations, vaccines, teeth cleaning and spay/neuter procedures, unless optional Pet Well Care Protection coverage is purchased
by VomMarischal on 19 June 2009 - 03:06
So what else IS there, besides being hit by a car?
by RubyTuesday on 22 June 2009 - 03:06
[quote]if everyone starts buying pet health insurance the pet health care system will become just like the human health care system ...........do you want that?[/quote]This is a major reason why I decided against pet insurance. Another reason is that the premiums would be expensive b/c I have 3 cats, 5 dogs & a parrot.
Reading the list ox exclusions I'm stunned & will consider that yet another major reason it's not (IMO) worthwhile. As I read through those, like VomMariscal, I was asking myself, do they really cover much but auto accidents???
IMO, expecting insurance to cover routine care is silly. They just get it back from you in higher premiums which will include additional layers of administrative costs.
Reading the list ox exclusions I'm stunned & will consider that yet another major reason it's not (IMO) worthwhile. As I read through those, like VomMariscal, I was asking myself, do they really cover much but auto accidents???
IMO, expecting insurance to cover routine care is silly. They just get it back from you in higher premiums which will include additional layers of administrative costs.
by RubyTuesday on 22 June 2009 - 03:06
sigghhh...There's no preview available & my 'quotes' attempt didn't work. My apologies if it's harder to read.
by VomHausCander on 24 June 2009 - 06:06
We buy Sheltercare.com pet insurance for all dogs under one year in our house. This is the age where they tend to be most prone to illness... while thier immune systems are developing. After this we drop the coverage and instead of health insurance we put away $35 per dog per month that we would have spent on it. Since we have several dogs... this adds up quickly. We put the funds into a savings account that earns interest (every little bit helps). When a dog needs a trip to the vet or a surgical case pups up, we have the funds available. The money is also there incase another "non dog related emergency" (what are those???) pops up. It has worked well for us.
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