Cancelled pet insurance!

arbroath_lass

I would start saving so the op ISN'T "out of the question". The money you have set aside to buy a puppy will make a great start.

And without meaning to be horrid I'd be putting it somewhere your husband couldn't get his hands on it.

Your responsibility is to the dog you have now. How can you even contemplate another when you can't afford a £1500 operation?

I'm pretty sure an 8yo dachsund wouldn't appreciate a puppy anyway.

Frugalista

How many hundreds of pounds will the designer mongrel you're after cost??

I will guarantee you that it will make a substantial hole in the £1500.

Also, how is a dog with disc problems going to benefit from having a puppy leaping all over it??

gettingready

Any claim you put in - the insurance company will ask for the dog's history.

Regardless of the fact if you claimed or not, your current vet will have dog's condition on file.

In my case, with Zara being just under 6 years old when her first hip replacement was done - the insurance asked for all her history since she was a pup.

That was 3 different vets sending their paperwork about Zara to the insurer.

All was of course legit and insurance paid out.

Just changing the vet with an adult dog is not going to work for what you are planning to do.

With a puppy - possibly "just got it" but not with an adult dog when they will want past history going back to when the dog was a puppy.

You have a dog and your first responsibility is to THAT dog, not getting another.

jill36_2

Any claim you put in - the insurance company will ask for the dog's history.
Regardless of the fact if you claimed or not, your current vet will have dog's condition on file.

No it won't. I will if necessary take her to the vet I mentioned in my original post. They have never seen my dog and my local vet - where she is registered knows nothing about her recent lameness as I saw a different vet (with a myelogram xray machine).

She is registered under my mother's address, their mistake as mum is registered there too. After nearly 3 weeks of very strict crate rest she, thank goodness is showing no sign of the lameness i saw on the night in question.

As for getting another dog - my husband and I talked about this before all this happened.

Hillbilly1

Vets are required to ensure they have the full previous history for any new patient. If you intend on contiuing the lie you will need to lie about previous diagnostics and treatment.

This could mean repeated tests for your dog as you haven't told the vet about the previous treatment.

Most vets would find it odd a dg as not been to the vets for 8 years, what if you present the vaccine record card to be signed, and its filled from previous vets you havent told them about?

You are risking your pets health and the vets professional standing to save some money.

jill36_2

Hillbilly1 wrote: »

Vets are required to ensure they have the full previous history for any new patient. If you intend on contiuing the lie you will need to lie about previous diagnostics and treatment.

This could mean repeated tests for your dog as you haven't told the vet about the previous treatment.

Most vets would find it odd a dg as not been to the vets for 8 years, what if you present the vaccine record card to be signed, and its filled from previous vets you havent told them about?

You are risking your pets health and the vets professional standing to save some money.

Other than her vaccinations when she was a pup she has had no need to see my original vet. I have never taken her for boosters. She has been recently been seen by a vet who has no record of my address, and the vet i would take her to has never seen her before. The iodine used in the myelogram will have been absorbed into her body, so no treatment will be detected.

Hillbilly1

So she isn't up to date with vaccines or flea and worm treatments? Please dont say you buy over the counter treatments.

It doesn't matter how you dress this up you have lied to the insurance company and intend lying to vets to save money.

It is a horrid situation you are in, but of your own making. Please start saving for any potential back/joint problems so you can cover them. Your new policy wording may exclude more than just spinal issues of there have been disc issues.

jill36_2

I have just cancelled the online policy I took out last night. I am going to put 30.00 away a month in an Isca for her. Thanks for all your advice, I admit I never felt 'comfortable' with what I planned to do and i would'nt have told my husband - he is very 'straight'

As I said before she is very well at the moment (the enforced crate rest is amazing). There will be no more stairs, jumping off beds/settees (she is too small to jump on them in the first place) and long hilly walks (which she loved before). I love my 'furry friend' as much as i love her grown up 'siblings'.

arbroath_lass

jill36 wrote: »

No it won't. I will if necessary take her to the vet I mentioned in my original post. They have never seen my dog and my local vet - where she is registered knows nothing about her recent lameness as I saw a different vet (with a myelogram xray machine).

Nevertheless pre-existing conditions are excluded whether or not you have claimed for them. It will be all too apparent to the vet how long the dog has had this condition and s/he will be obliged to disclose this to the insuance company.

arbroath_lass

jill36 wrote: »

I have just cancelled the online policy I took out last night. I am going to put 30.00 away a month in an Isca for her. Thanks for all your advice, I admit I never felt 'comfortable' with what I planned to do and i would'nt have told my husband - he is very 'straight'

Posted at the same time as you. I think you are doing the right thing. I would keep/get a new policy if possible (Is it likely to be cheaper if back problems are excluded?). Whilst your dog's back problems will be excluded there are many other things that could happen (but I hope not!).