My dog tore her ACL when she was running and got her leg caught in a fence. While this clearly was an "accident" Petcare said that ACL injuries are musculoskeletal illnesses and cannot be caused by an accident. As we had used funds in this category already her surgery claim was denied. An accident is a specific event. They told me that if she is hit by a car and breaks her leg that is an accident. If she is hit by a car and tears her ACL it is an illness. The accident is being hit by the car! My vet and vet surgeon both wrote to them challenging this but nothing changed. I immediately cancelled my plans for both of my dogs.
Age of Pet