Pet Insurance - Pre-Existing Condition (Adivce Needed)

rising_from_the_ashes

hotcookie101 wrote: »

I would appeal the exclusion-I did when I insured my cat-he broke 4 metatarsals, which healed perfectly, and I then took out insurance. Petplan tried to put an exclusion on for arthritis on that leg, I argued my case, sent a copy of clinical history and they removed the exclusion. Especially as it is an unfair exclusion-understandable for them to exclude arthritis, but not any injury. Contact them

Thanks Hotcookie - it's due for renewal soon and if it still appears as a "total exclusion" for that leg I will be taking it up with them - however, like your cat, I think it will remain in terms of arthritis for the future.

Fire_Fox wrote: »

The harvest mites issue could mean your insurer excludes all skin conditions.
...... Wouldn't mind betting an insurer would exclude on the grounds of the harvest mite.

I was going to say this too!

However, see OP has decided to stick with his current insurers - IMVHO the safest bet and it's not a huge amount more so why take the risk.

graham17 wrote: »

Or more to the point, hopefully we'll never need it

Fingers crossed that's the case.:)

hethmar

I have to say when I first read this thread I thought it said "harvest mice" rather than harvest mites! pmsl

hotcookie101

rising_from_the_ashes wrote: »

Thanks Hotcookie - it's due for renewal soon and if it still appears as a "total exclusion" for that leg I will be taking it up with them - however, like your cat, I think it will remain in terms of arthritis for the future.

They put an exclusion for arthritis on for my cat-thats what I had removed. I argued they would pay to fix his broken pelvis if he had a RTA, but not for the arthritis that would develop after. So he now has no exclusion for that at all. I would be after them removing the exclusion completely in your case too-what was the original problem and how long ago was it?