sharing the pre existing conditions guide i wish someone had handed me the week we adopted our rescue lab, because a two line note from a shelter vet visit that happened before we ever met him ended up voiding coverage on his hips, we found out at claim time not at signup, 18 months of premiums later, and the imaging plus first round of treatment cost us 3200 dollars out of pocket

just came across this while helping my brother compare policies for his new puppy, and it lays out the thing that burned us clearly enough that i think it belongs in front of everyone here with a new dog or a rescue.

Pre-existing Conditions: Complete Guide

our version, for context. we adopted Cooper at age 2 and insured him the same week, which we thought was the responsible move. what we didnt do was read his shelter intake paperwork like an adjuster would, there was a note from the shelter vet that said "mild hip discomfort noted, monitor," no diagnosis, no followup, he never limped once in our house. 18 months later he came up lame after a hike, xrays showed hip dysplasia, and the claim came back denied as pre existing based on that one intake note. nobody reviews your dogs records when you sign up, they review them when you claim, which is the part i genuinely did not understand until it cost us $3,200. so, two questions for the group, has anyone actually appealed a pre existing determination and won, and do any of the companies really honor the curable versus incurable distinction or is that fine print theater