Preexisting NO way!! Bet no one sees this.

Out of 10

I have large dogs so it goes large insurance premiums each month. NOW,the problem. The vet told us that our dog's surgery on a mass on her side was considered a preexisting condition. REASON, it had been examined at a time when she did not have their insurance. It did not matter that at that time the vet had no idea what the small mass was and made no diagnosis other than it should go away on its own. The questionable area was very small,she was in no pain and her health was excellent.
It very gradually got larger (after we bought Pet Plan Insurance). The vet said he doubted it was anything serious
but it still needed to be tested.As he said it turned out to be nothing.It was similar to unknown and nonthreatening masses people get. Maybe Pet Plan was trying to cover their future cost in the event it ever became something in need of more medical attention.
Sure glad human insurance companies don't do things that way. Example...Oh, so I have an unknown pain in my leg and I have no insurance. Can you imagine a year later you have insurance, go to the doctor and find out you have cancer. THAT WOULD BE PREEXISTING???? Not to my knowledge.

Did you find this review helpful?
removal of unknown mass
Claim Amount
$500 - $1000


Age of Pet
1 - 8

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Posted: 04/30/2012

Any pet insurance company would have considered it preexisting as it manifested pre-insurance. Its less like a pain in ones leg and more like a benign tumor that urns out to be an issue later in humans.

Posted: 05/30/2012

Unfortunately, human insurance DOES in fact do this. In fact let me tell you what Aetna tried to do. I changed jobs. In order to be covered without any type of wiating period Aetna wanted to know if I had coverage within the last year, if not, nothing they considered pre-existing would be covered. I'd had insurance at my previous job just the month before. In fact, in NY when you leave a job, that company sends you a letter "verifying coverage".
Anyway, Aetna informed me that they would not pay for a Mammogram as it was pre-existing. To their unhappy surprise they did have to cover it because I'd had insurance so they had to pay but, the rep I talked to could not explain to me how they considered a Mammorgram any type of "condition" as oppossed to a diagnostic test.

Posted: 04/19/2015

Mass was there before you purchased insurance. It was a pre existing condition because it was there beforehand.

Posted: 04/30/2012

Bottom line..the mass WAS matter what it "turned" out to be it was there BEFORE you had the insurance...this wasn't unknown pain in the was a lump that was already there.