Raised my dog's premiums over 25% at renewal. Said it was due to change in underwriter. Tried to say that new underwriter would offer 20% co-pay on specialists vs. 30% for previous year. Thus, better. Of course, like human insurance, changing carriers exposes you to a pre-existing exclusion. However, unlike human insurance, pre-existing conditions means anything that ever happened in the past will never be covered in the future. With human insurance, there's usually a limit to how far in the past conditions are excluded with a limit to how far in the future they won't be covered. So..., we're likely talking about Anti-Trust violations here. But, like most violations of Anti-Trust in the last 30 years, they won't be challenged. Basically, if your pet gets ill with a condition that might occur again, and if its expensive to treat, you're captive to the insurer you've got when he/she got the illness.
Bernese Mountain Dog