Baseless Claim Denial - Hereditary

Out of 10

We have a 3.5 yr old rotty. In March he had a nail issue that resulted in his nails becoming brittle and cracking/bleeding. Our vet was able to diagnose the problem correctly and he is now fine. VPI would not pay the vet bill due a claim it was hereditary. Our vet called VPI directly twice and emaphatically stated that their is no link of this problem to a hereditary condition. VPI stalled us for 6 months by making us go through secondary reviews only to deny the claim again in the end. They provide poor customer service and poor coverage.

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Posted: 09/23/2009

My dog has this same condition of symetrical lupoid onochodystrophy (SLO) and VPI will pay for this if you and your vet send in the diagnosis as the auto-immune condition that it is-- they will cover it if you call it by it's other general name: immune-mediated pemphigus. Hope this helps.

Posted: 09/23/2009

Did just see this on their breed-specific hereditary list.