insurance question

[Lauren]

Has anyone invested in pet insurance AFTER an IMHA diagnosis? Even after my first dog cost us boatloads, I still decided that a savings account was the way to go for our pups, rather than insurance, but after going through it again, I have decided that I’d rather have the mindset of not having to decide whether or not to do this test or another because of cost. So I was just going to go ahead an enroll my healthy dog.

But in talking to customer service at PetPlan, I am told I could actually get insurance for Ernie, with the IMHA as an exclusion (assuming he pulls through, which I am still focused on).

They tell me the vet would be the one to diagnose whether any future issues are related to IMHA or not. My question is whether anyone has done this and has experience in how it played out? I am thinking, for example, that a dog on immunosupressants has a higher risk of catching things, but that those things might not be related to the IMHA directly. Or that a dog on pred has a higher chance of eating something he should not, but again, not directly related. For obvious reasons, I don’t want to ask this question of insurance directly, but I am curious if anyone else has rolled the dice and gotten insurance post diagnosis?

If nothing else, it would be good to have in case he develops some totally unrelated disease, or in case he breaks a leg or whatnot, so I am leaning heavily on getting it regardless, but I am sorting out what sort of deductible/limits/copay I should go with.

[Vally]

Lauren, I took out insurance after my last dog, so I’ve been lucky with the claims I was able to make for Bingo. Irealise I’m not answering you exactly.

I think for my sanity, even though I could not make any related claims, if I could afford the premiums, I would very seriously consider taking out the insurance.

I do wonder if you would have a battle making claims though unless the vets could say for sure it is not related to IMHA. Everything that I have claimed for since the disease has been blood tests, a few cases of gastro and some minor surgery to remove moles. I think they would all be classified as being part of his pre-existing.

Perhaps it depends on Ernie’s age.

So have I made things more confusing?

Vally

[Bellabear]

Read the book, ashamed to be a vet…..His experience is that now that you have insurance, your loved one will be treated accordingly. As your not paying, his experience is, your friend will be treated excessively, if not unnecessarily. In the 10 years Bella’s been on this earth, we have allowed our ignorance to treat Bella with standard protocols, that enrich $$$$ your vets,. But keep your friend sick, & returning for the weekly or monthly $$$$ deposit. Vitamin K, stopped Bella’s bleeding, they Warned us against it, & Demanded prednisone. Warned us against milk thistle…….. Tried to convince us to do surgery on her leg for $5000.00 , told me not to wrap it…..I cut an ace bandage in 1/2,. Within a very short time Bella was is running & jumping again……Buyer beware

[Bellabear]

P.s. the vitamin K, cost $6 bucks, & lasted Bella 1 year. The turmeric is 1 lb bag for $12 bucks, & will take years to use. Vitamin K, is Xlnt for bones. Look up utube, some of the leading authorities on …The vets will try to sell people on hills science diet, or if Purina is their sponsor, Purina. They tried to convince me years ago, chicken thighs parched, broccoli steamed ( vitk) low-fat cottage cheese etc etc, wasn’t as good as a bag of dried up dog food that has been sitting on a shelf for years…

[Sheena]

Bellabear

This site is purely for people who have bona fide information & loving support for other dog owners. It is not the place for heresay – opinion is fine, but back it up with some genuine information.

How dare you frighten other owners against conventional & proven protocol. We also promote additional homeopathic & adjunct herbal tweaks – but ONLY if proven scientifically. The sole purpose of this site is to advise BEST PROTOCOL so that dogs recover. I object to your unsubstantiated ramblings & unsubstantiated trollop. Go away. We don’t need you here.