My dog was very sick and vomitting constantly. I took her to the vet and he did x-rays on her and noticed she ingested a metal staple. This occured on December 26, 2011. The vet didn't want to immediately do surgery on the dog (which would cost over $2,000) so he instructed me to give her plenty of bread and milk to hopefully surround the staple and make it pass through her safely.
We need to go back for a follow up visit on January 3, 2012 to make sure the foreign body passed through. He did an x-ray and thankfully the staple passed through. No surgery needed.
NOW here we go.... ASPCA covered 80% of "allowable" costs for the visit in December. But ZERO for the visit in January because it was a pre-existing condition.
What was I supposed to do - put the dog in surgery right away so it won't be a pre-existing condition in 6 days?? It was a follow up vist and cost me $700 and I got zero reimbursed.
Needless to say I cancelled my policy and went to Pet Plan Insurance.
Sneaky sneaky sneaky.