Q: Pet insurance won’t pay my dog’s treatment due tu “pre-existent” condition.
My pet insurance refuses to pay for my dog’s treatment because they claim he had a pre-existent condition,1 month before the insurance was active. This was NOT the case. The insurance is denying the claims because the doctor who is treating him now, wrote on the medical record that my dog had symptoms since October 2017 and the insurance was effective since Nov 1. I did mention that I noticed something on his skin on October but he was NOT diagnosed by ANY vet with a with anything PRIOR to his first vet visit on December 2017, which was when I took him to the to check him, with the insurance active. The first time the insurance denied the reimburstment they claimed it was due to a pre existent condition of allergies which was ALSO not true. I told them it was fleas, NOT allergies. Right after they asked for the latest medical records, after that they said it was because of what I explained above. I feel they’re finding anything not to pay for the treatment. What should I do?
A: The policy will define "pre existing condition". It probably doesn't require a pre existing diagnosis. However, in determining whether the insurer is accurately denying coverage, you have to examine the actual language of the policy.
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