No One Told To Get My Dog's Patellas Examined

Out of 10

I signed up pet insurance with PetPlan in good faith that they would cover everything their adverstising said it would, including pre-existing conditions.Turns out my dog has luxated patellas and surgery is recommended but PetPlan won't cover it because she did not have her patellas examined within the first 30 days of the policy (it was roughly 45 days after I purchased the policy).
The sales agent DID NOT tell me to have my dog's knees examined in the 1st 30 days.
Why would I have my dog's knees examined if 2 prior vets did not find any problem.

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Claim Amount
Over $1000

Mixed Breed

Age of Pet
1 - 8

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Posted: 09/25/2010

I wish the few people with such negative reviews would leave more information.
From the small amount of information it sounds like the dog had been examined for an issue, not yet treated, insurance was bought, the cause of the issue was discovered, and then claim denied. If so it sounds like the policy worked as expected.

From the web site: "What is a pre existing condition?
A pre-existing condition is a condition which first occurred or showed clinical signs before the pet's coverage started or which occurred during the policy waiting period. This would include conditions that have not yet been clearly diagnosed, are currently in remission, seasonal or being controlled via prescription medications. These conditions are normally excluded from the policy as the coverage is there to insure against future conditions and not to pay for conditions that your pet is already suffering from."