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I purchased a GSD puppy and will pick him up ina few weeks.

Im an avid runner/walker and although I will take it very slow and abide by what the breeder says I Don't want to risk not protecting my dog.

On Go pet plan it says it covers

Petplan policies provide reimbursement for all veterinary fees relating to treatment administered by a licensed veterinarian for any illness or injury (provided that it is not pre-existing), including the following:
Hospitalization - including emergency treatment
Diagnostic testing - such as MRIs, x-rays, endoscopy
Surgery - including cruciate ligament surgery and organ transplants but not spay/neuter
Cancer treatment - regardless of the type of cancer
Non-routine dental treatment - such as tooth extraction, root canal but not routine teeth cleaning
Prescription medications
Referral and specialist treatment
Alternative and complementary treatments - such as acupuncture, hydrotherapy or chiropractic treatment
Are hip problems covered ? Hips would be cruciate ligament surgery ?
 

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Yes they do but only after you have had the insurance for 6 months and when you bring your dog to the vet after the policy starts THEY (VET) HAVE TO MARK ON THE CHART THAT HIPS LOOK OK WITH NO PRESENT INJURY or they will not cover them if anything happens down the line.
 

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Yes they do but only after you have had the insurance for 6 months and when you bring your dog to the vet after the policy starts THEY (VET) HAVE TO MARK ON THE CHART THAT HIPS LOOK OK WITH NO PRESENT INJURY or they will not cover them if anything happens down the line.
This isn't entirely accurate, from how the policy reads, as long as you don't have any issues during your first 6 months, the plan will cover any injuries after that period. If you choose to have your dog examined during the first 30 days of your plan, and your vet notes hips, ligaments etc are good, then you can be covered.

Check out this discussion:
Pet Insurance? - Page 3 - Golden Retrievers : Golden Retriever Dog Forums

Edit: the policy is located in post #22 of the Golden forum.
 

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How does one go about submitting a bill? I am researching pet insurance right now and I am having trouble understanding what vets participate and so on....
 

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How does one go about submitting a bill? I am researching pet insurance right now and I am having trouble understanding what vets participate and so on....
It's pretty simple with petplan. You just bring in the claim form and fill it out and have your vet initial where it says for them to initial. Fax or email (a scanned copy) along with the bill and that's pretty much it.

With petplan it takes about a week or two to be reimbursed. They're pretty quick about it.
 

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This isn't entirely accurate, from how the policy reads, as long as you don't have any issues during your first 6 months, the plan will cover any injuries after that period. If you choose to have your dog examined during the first 30 days of your plan, and your vet notes hips, ligaments etc are good, then you can be covered.

Check out this discussion:
Pet Insurance? - Page 3 - Golden Retrievers : Golden Retriever Dog Forums

Edit: the policy is located in post #22 of the Golden forum.

Yes you are correct. I didnt add in the 6 month period.
 

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NO they don't.

At least in my case. Maybe if all the moons align right, and you bought insurance for 2 dogs that had a puppy and then bought insurance for that puppy before it was born so it wouldn't be considered a pre-existing condition.

In my case, I bought insurance at $70/mo for 2 dogs for 2 years. I had no claims at all in 2 years, although I could have every now and again for a nail snag, ear infection, or whatever. I just figured this was there for major issues and I'd let the little ones slide.

Well, we had a major issue. Found out one of our dogs has big time hip problems after an x-ray when she was lame around the house for a couple days not even walking and not being able to stand.

Vet prescribed metacam immediately, recommended we give it to her daily for the rest of her life basically. We wanted other options, so we tried stem cell therapy which has had some results. She's also on Adequan now. The combination of these has taken her from a lame dog, back to her old wonderful tired dog which is not quite what we hoped for considering the $4000 or so it cost, but we're glad it's helped bring her to being a wonderful old dog. She'll be 12 next month.

Meanwhile, back in "OMG I have to spend how much on my dog" I call Pet Plan to get a pre-authorization so we can decide on the course of action. Send in all the medical records and wait. Nothing. Follow up again in a couple days. Nothing. This goes on for a couple weeks. Finally a response - DENIED PRE EXISTING CONDITION.

Like, What?! How so. Well I get no straight answer from them for another week. (Dog is still not having treatment, in pain and high doses of Metacam daily)

Turns out, one time in the past, on our medical records about 2-3 years (I can't remember exact timeframe off hand right this minute) our vet in another city we lived in had given her metacam earlier due to sore muscles. It's like a muscle and joint anti-inflammatory I guess. We used it for that time when we came back from a trip to the mountains for 10 days full of hiking, playing, running in deep snow, and she over-exerted herself. Then never again. For 2-3 years she went without it, until this hip thing surfaced. Come to think of it, I probably took some Advil then too, cause my back was probably hurting.

Pet Plan has successfully stalled for a month. I called them, tried to talk to them, reason with them that if my dog was having joint issues 5 years ago, and was on some medication that should indicate it was an issue then, would we not continue that treatment? Would we not do something else for her? Tried to tell them to look at the THOUSANDS we'd spent on her for other things since then - ear infections, nail issues, got bit by another dog, allergies, what have you. Over the course of 5 years. Really, I'm gonna drop large bills which are evidenced by the vet records for the life of my dog and not address an issue for one thing, but pay for everything else?

Nope. No reasoning with them.

They said that it was a "clinical sign" of a pre-existing condition and if I read their contract all they needed was a "clinical sign" to consider something pre-existing. I'm like, WT eff?! You mean you can look at an anti-inflammatory prescription and determine what the problem is? Some kind of Mensa-dog-whisperer are you!

And, their contract does state this. So basically if they, for any reason, look back and see anything that THEY say is a "clinical sign" of a condition in the past then they can deny your claim and keep your $$ while you decide whether it's worth finding a lawyer.

That's their out. They don't need a DIAGNOSIS, they just need THEIR OWN OPINION. They didn't even bother to call our old vet to talk to them about it. Just DENIED - thanks for your monthly payment.

They find any kind of "clinical sign" and they will deny you. I asked the representative whether Advil was similar to Metacam in that it is an anti-inflammatory. They said yes. I said, so if I have a record taking Advil some time in my life, and later on in my life I get DIAGNOSED with a brain tumor, would that Advil be a clinical sign and make it okay for insurance to deny my claim? No response. Hello? Click.

Icing on the cake was my attempt to cancel the insurance. I called them. They said send it in writing. I sent it in writing to their customer service email - you know, the one where I'd been having all this correspondence with. No reply. I sent it to each individual person who'd responded to me. No reply. I called them to confirm they got it. Multiple times. "Let me check" and then I'd get stuck on hold for 20 minutes each time.

Finally, I just called my credit card company and changed my card number. I had to dispute the charges for transactions which happened between the time I had sent in my cancellation, and the time that I got my new card number.

VERDICT: They are an insurance company. Insurance companies get rich by looking for ways out of paying claims. I paid the $3500 out of my savings for my dog and continue to give them the best care with money being a secondary concern, canceled my insurance and wish I would have never paid them $3500 in premiums.

Sorry, but I am still so disappointed and so angry that I got ripped off, that I just had to comment on this thread. Some will say "they're different" but they're not. They just want you to think they're different.
 
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