Beware of Accidental Policy

Out of 10

In the past Pets Best was great about covering for "medical issues" that I had with my male dog, Chance. Also with an accidental issue when both my male and female pit bull terriers (terrors) decided to take some sinus medication and needed to have their stomachs pumped (my male can open doors). However my recent experience has been a negative one and I will no longer have my pets covered because I am very upset with the situation. My female dog, Chloe, who is 4 years of age, experienced an awful situation January 14th when my male jumped on her back. She yelped and started to walk wobbly for a few days and then within a week her hind legs were paralyzed. I immediately took her to a neurologist and after an MRI it was confirmed she had an "acute" herniated disc compressing her spine 80%. The surgeon reiterated how this was an acute and "traumatic" injury, however with an emergency hemi lamenectomy, Chloe would be able to walk again and had a high chance of recovery. 13 weeks later Chloe is walking again and doing well. 2 APPEALS LATER with letters from my vet and surgeon stating it was clearly from the accident...and Pets Best is still not going to cover any of my claims of which totaed around $8,000 because they are claiming this was not accidental and that she has intervetebral disc disease (IVDD). Dogs known to have IVDD are dashounds, basset hounds, beagles and Shit Tzu. Not a pit bull/bull terrior mix at 4 years old. Prior to this incident Chloe was running, jumping, man

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herniated disc after male dog jumped on her
Claim Amount
$500 - $1000

Pit Bull

Age of Pet
1 - 8

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Posted: 05/22/2014

Hi Alexandria,We are glad to hear that Chloe is doing well. The original claim we received from you was for an "undiagnosed back condition". Chloe is covered by our Accident only policy, which requires a definite diagnosis and does not cover illnesses or medical conditions. In your appeal we received a medical report stating that Chloe has a degenerative condition called intervertebral disc disease which causes the discs in your pet's spine to bulge and/or burst when subjected to minor stresses such as your other pet jumping on her . As a degenerative medical condition, IVDD is not covered by your accident only policy. Your second level appeal was sent to an independent medical examiner who examined the medical records received from your veterinarian and confirmed the original claims denial as appropriate.