We don't know exactly when a serious illness began with our dog, but Crum & Forester denied a claim of over $4,000, just under our policy limit, based on speculative information from several different veterinarians as to when the illness began. They are comparing symptoms experienced later with earlier to claim this was a pre-existing condition and thus a basis for denying the claim. It took 3 months after submitting the claim and chasing them for reimbursement.
After contacting them again this morning, I was told we would not be receiving reimbursement and that they had determined based on what they felt were similar symptoms that they would be denying the claim.
This is bad faith, the Colorado insurance commission will know about it.
Mixed Breed Large (70–90 Lbs)