My dog was treated for a minor UTI - a common ailment in dogs -- a month before I applied for a PetPlan policy. I took her to the vet because she showed hematuria, which is blood in the urine.
Blood in the urine is a symptom of an illness or ailment. Sometimes it means the dog has a minor issue, like a UTI, and sometimes it indicates a larger, chronic problem. In this case it was the former.
Cali got another UTI several months after my PetPlan insurance policy had started. She showed blood in the urine and I brought her to the vet. In this case, the UTI went away on its own, but I was still slapped with about $400 worth of vet fees for the visit and tests.
So I filed a claim with PetPlan. They denied it. They said that because she showed blood in her urine before my coverage started, they could not cover any costs of the recent occurrence, even though she was not found to have any chronic condition or illness other than a minor infection.
PetPlan classifies blood in the urine as a pre-existing condition, as if it is perfectly normal that a dog would just pee blood constantly.
It is as if my dog were treated for mange before my policy began, and I would be denied all future claims that include any tests for itching.
I do not recommend PetPlan.