by roybendor » Tue Oct 27, 2009 04:18 pm
Insurance policy is for my dog. Insurer is ASPCA Pet Insurance. My dog is displaying strange behaviors and so we took her to the vet who performed an MRI (which cost over $2,000). The MRI revealed a growth at the base of her skull, which is common in her breed (~95% of cavaliers have this) and which can cause problems. However, my dog does not show symptoms of this problem. Her behaviors do not appear to be connected to this illness or respond to treatment for this illness. The doctor has concluded (as have I) that the growth is not related to her problem. The insurance company claims that it's a congenital or hereditary disease so it's not covered. The statement is ludicruous because we don't even know what IT is, so how can they say it's congenital. The argument is the equivalent to me breaking my foot playing football, having the doctor x-ray my foot and seeing, aside from the break, an abnormality in my foot (that 95% of humans have) and the insurance company saying therefore we're not covering your broken foot.
Posted: Sun Nov 29, 2009 02:41 pm Post Subject:
That's quite an insulting response.
I don't see why you would see it that way either, I am not siding with Lori, but what she has posted is pretty cut and dry, not matter if you accept it or not or consider it an opinion, which it really is not.
If you agree there is a lot of info on the subject on both sides as you stated earlier, and as Max stated you see it one way, the carrier sees it the other, you would have to agree there is a difference. And according to how your policy is written it makes sense. Thats all that Lori and anyone else is trying to point out, but you don't like that answer. Thats fine, you bought the policy.
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