Subject: Need Advice on Pet Insurance Options for My Dog’s Tumor
Hello,
I hope I’m posting in the right place for advice.
A quick overview: I have a basic pet insurance plan that only covers accidents, and unfortunately, my dog was recently diagnosed with a growth that is a tumor (we don’t know yet if it’s malignant or benign). I called my insurance provider after the vet visit to inquire about coverage for the necessary surgery, but they informed me that it wouldn’t be covered under my current policy.
Here’s my question: If I switch to a more comprehensive insurance plan that would cover tumor removal, would the tumor be considered a pre-existing condition since I mentioned it to the insurance representative over the phone? Or would they need a formal veterinary record to define the condition as pre-existing?
I’m feeling quite stressed about this situation and would appreciate any advice.
Thank you!
— A worried pet owner
I’m so sorry to hear about your dog’s situation; that must be incredibly stressful. Unfortunately, most pet insurance companies do consider pre-existing conditions when determining coverage, and if you’ve mentioned the tumor over the phone, they may classify it that way. Typically, they require evidence from veterinary records to confirm the condition, but it’s best to review the specific terms of your policy and the potential new plan you’re considering.
In the meantime, you might want to explore other options, such as:
Take care of yourself during this challenging time, and I hope for the best outcome for your furry friend!