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Should I declare this?

Discussion in 'Dog Chat' started by Lynnejt, Oct 24, 2012.

  1. Lynnejt

    Lynnejt PetForums Newbie

    Oct 24, 2012
    Likes Received:
    Hi first time user to the forums here.

    I wonder if anyone else has been in this situation. Our dog had some tests done on a couple of lumps, which turned out non threatening, and we were told by the vets just to watch them. So our dog is receiving no advice and medication.

    We want to move to a new pet insurance company, do we need to declare what happened?

    I am finding pet insurance a minefield and wonder whether it's worth insuring my
    dog at all.

    It would be nice to hear someone elses thoughts on this. :)
  2. theothersparticus

    theothersparticus PetForums Senior

    Jan 8, 2012
    Likes Received:
    Personally I would, because your vet has examined them and it will probably be on their records so the insurance company would know that you had previously been concerned about them.

    If I hadn't previously mentioned them to the vets, I certainly wouldn't let the insurance know, as they would count it as a 'pre-existing' condition.

    If you have money (or an emergency credit card) put aside to deal with your dog's illnesses it may be worth not insuring them. It's just a matter of balancing costs and hassle :) HTH

    Good Luck.
  3. AlbertRoss

    AlbertRoss PetForums VIP

    Feb 16, 2009
    Likes Received:
    Yes, your insurance company will declare it as a pre-existing condition. You need to get a precise diagnosis from your vet - that way you may be able to get any exemption removed if it doesn't re-occur.

    To find out about pet insurance generally, click on the link in my signature below and then click 'Free Report'. It'll tell you just about everything you'll ever need to know :)
  4. Redice

    Redice PetForums Senior

    Dec 4, 2011
    Likes Received:
    I would let the insurance company know of anything that you have had dealings with your vet over. I seem to remember that when I insured with a new Insurance company they got a past history from the vet anyway and knew of all my past consultations.

    Whether to insure your dog or not is your personal choice but I insure mine for life cover as I would be too scared of them getting some ongoing condition that cost thousands a year to treat but then that's me. Without a crystal ball it's impossible to know whether you would win or lose by paying regular insurance premiums.
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