My 2 year old Wheaten's skin began turning black under his legs and his back and stomach became red and itchy. My vet recommended I take him to a dermatologist who began by trying to rule out food allergies. Luckily, we were successful in determing it was a gluten intolerance. VPI pet began insurance on our dog at about 6 months of age. During that time he had an insect (or some type of bite) that caused a hot spot from itching. VPI, after taking over 4 months to review our claim for the food allergy, said it was a pre-existing conditon because of that hot spot. Both my vet and the dermatologist sent correspondence stating the two were not related but VPI would not pay the claim. If I had not taken the insurance,in the first place, I would have been ahead monetarily, as the bill was less than the two years of insurance coverage. I have since cancelled my policy.
Soft Coated Wheaten Terrier