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.