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Dog insurance - pre-existing condition

Discussion in 'Dog Chat' started by Anonymous123, Nov 12, 2020.


  1. Anonymous123

    Anonymous123 PetForums Newbie

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    Hi, I am in the situation where my 12-weeks old puppy had symptoms of the glucose drop and ended up in a hospital. In the vet's report it has been stated as below:

    ' We have no definite diagnosis for the cause of her neurological episode but we feel it is primarily her brain, not liver. Her blood sugar was not thought to be low enough to cause her signs either. Given how quickly they occurred and the fact she has improved so well, we feel a traumatic event or intoxication could be responsible'.

    Therefore, please could you advise me whether the statement above can qualify into the 'pre-existing' condition.
    She has got no diabetes or neither we have got no specific answer for what happened.

    Thank You all !
     
    #1 Anonymous123, Nov 12, 2020
    Last edited: Nov 12, 2020
  2. Butmom

    Butmom PetForums Junior

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    This is tricky. It will rest on the company’s definition of pre-existing. Read the contract carefully! Remember, your insurance company is out to make money, not spend it on your dog.

    Keep a file with every scrap of paper you have relating to this. I don’t know how they could prove it was pre-existing-the pup is only 12 weeks!-but get all the info you can. This will be a word game. Be sure that you understand every term they use. And grammar counts! Ask the trucking company that paid out $5,000,000 over a missing comma!

    Good luck to you both!
     
    LinznMilly likes this.
  3. Blitz

    Blitz PetForums VIP

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    Basically the vet thinks she either had trauma or drunk some alcohol! I am not sure how either could be counted as pre existing or should stay on her record as something that is no longer insured. I would fight it tooth and nail if they refuse to pay up.

    I once had an adult dog that had what could have been described as a neurological episode but the vet could find nothing wrong and suspected she had either drunk alcohol or overdosed on some medication. She recovered within a few hours. It is probably a pity your vet tested the blood sugar and decided it was not high enough for diabetes as that might put doubt in the insurers mind.
     
  4. Anonymous123

    Anonymous123 PetForums Newbie

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    Hello, Thank You for the response on this one ! :) Basically, we do not have insurance at the moment and paid for the hospital from our own packet, and therefore now we are looking for the best insurance.
    They have advised us we should see the neurologist/specialist in order to find out whether her brain works fine.

    Here is another comment:

    'She has a hole on the top of her skull that should have closed after birth which may put her at higher risk for neurologic signs is she bumps it; this is common to toy breed dogs. It is also possible there is a congenital issue, meaning she was born with malformation. If this is a case there is a risk she will show similar signs in the future.'

    I want to highlight (after further investigation) that the hole in a skull usually closes when the puppy is even around 16 months.

    I am not sure whether to risk and go with the regular insurance or either assume the incident will happen. The puppy is completely fine and we are thinking of seeing the specialist if there will be a need. Help please ! :)
     
    #4 Anonymous123, Nov 13, 2020
    Last edited: Nov 13, 2020
  5. Anonymous123

    Anonymous123 PetForums Newbie

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    Thank You !
     
  6. Butmom

    Butmom PetForums Junior

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    I am glad to hear that you’re willing to fight! I think that you have a great case; good luck with it.

    I bought insurance for the first time when I adopted Blu. So far, I have had no reason to use it but it’s there if I need it, I hope.

    In the meantime, enjoy being with your dog(s).
     
  7. Arny

    Arny PetForums VIP

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    The best thing to do is call round insurance and ask.
    It's highly likely anything neurological will be excluded from the policy and anything else they deem fit to add.
    Some companies will reinstate preexisting conditions to the policy if there has been no recurrence within a certain time frame.
     
  8. Blitz

    Blitz PetForums VIP

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    I do think with that on her record she might well not be insured for neurological episodes but it is still worth taking out insurance. Do you feel the need for her to see a specialist. As you dont have insurance I would be tempted to wait and see what happens. There is probably nothing that can help stop another episode so why not enjoy your pup and hope that it was a one off. If she has another episode (and you are sure she has not slurped alcohol from a glass that has been put on the floor) then consider spending a lot of money on tests which may or may not help you manage her.
     
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  9. Anonymous123

    Anonymous123 PetForums Newbie

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    Thank You Everyone for your in-depth responses on this case ! :)

    The good news is that we went for the 2nd vaccination with the puppy and I showed the report to a different vet.

    He advised me that they (vets) usually describe the episodes like that as 'Neurological' if they simply do not know what it is.

    After advising him of the symptoms she had shown, the vet said it was 100% the low glucose issue and will not hopefully happen again due to her weight going up.
    However, we are going to do check up every month and if anything like that happened, they should pay for that anyway.

    He advised me I should go with the regular insurance because the whole in the skull will close even within 1 year time and it is nothing to do with the brain issues.
    In terms of the specialist (Blitz), the vet has said they can refer her to one of their good neurologists, however he feels that it is not needed at this stage. If it happens again, then the neurologist will do the ultrasound to check whether there is a liquid in the whole of her skull.

    So let's hope this is not the case !
    I also hope this comment will help others when having similar situation with their dogs (especially the toy breeds).

    Thank You so much !
     
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