Apologies for the lengthy post, just want to make sure that I am documenting adequately:
I have been with Healthy Paws since early 2013 for my first dog and have since added another dog to my policy. The dogs are still young, quite healthy, and have only been covered by Healthy Paws for the most routine and run-of-the-mill problems. I could afford deductibles and cover preventative care, including regular teeth cleanings at a low-cost clinic without problem. As such, I remained faithful in Healthy Paws's services to think I could afford caring for a cat, and I adopted a young sweet rescue in January of 2017, signing him up for insurance shortly thereafter. In late April of 2017, my cat Baxter (just celebrating his one year birthday) was diagnosed with a rare auto-immune disorder, juvenile-onset gingivostomatitis, which means his gums are allergic to what is otherwise ordinary plaque build-up on his teeth. This results in painful sores as well as inflammation throughout the body and other general symptoms like fatigue and low appetite. The doctor informed me that it was 'going to be a long road to treatment,' and despite the devastating news, I was confident that at least my sweet pet's costs would be covered.
In early May I saw a dental specialist to discuss forms of treatment--there are usually two approaches, the first for extreme cases and the second for cases caught early: 1) full dental extractions to remove the source of allergic reaction (plaque) or 2) partial extractions, paired with home care (daily brushing, oral rinses, and water additives) AND regular (as in, every 3 months) professional dental cleanings. Having discussed Baxter's options, the specialist advised beginning with the less aggressive option. Young cats, especially, have been known to make a full recovery if owners are diligent with their treatments. Before agreeing to the second option, which will involve more costs but could potentially save his teeth and lead to a longer and better quality of life, I called Healthy Paws to double-check that Baxter would be covered and was assured that he would be. Because the roots of the condition are not well known, I also contacted my rescue to see if they had any information about Baxter's early life that could be illuminating and was told that his brother was just diagnosed with the same disease and that it was likely a mix of environmental and hereditary factors because they were both rescued under-nourished and in a squalid, hording