judy
Well-known member
today i called them to ask about how i would go about having the temporary exclusion on my policy for diarrhea removed. I figure i better hurry before he comes down with some diarrhea thing, which i'm not expecting but you never know.
Just thought i'd pass along a few things from this phone call.
One, it took pretty long for someone to answer. I dial extension 333, that's the underwriting department. Maybe i should've just spoken to whoever picked up the phone on the main number, maybe they could've answered my questions. I was on hold for about 15 minutes at least. i guess they are growing as a company.
I first got my policy around the end of January last year, you're supposed to wait a year to ask to have a temporary exclusion removed. Zack's medical records continue to show him being treated for the diarrhea into the first week of March. But she said i could request removal of the exclusion now. She said there is a form they will fax me by tomorrow, and i have a vet fill it out and send it back to them.
I have a vet appointment for Saturday for a general check up. I'll send that to PetCare as well. I also have a complete blood count with extensive thyroid panel from November and parvo and distemper titers from November, everything came back normal/adequate, which i'll send them.
Their claim form has a checkbox on the vet's portion that says "all vaccinations are up to date." Or maybe it says "all necessary vaccinations are up to date." I asked her what their position on titers instead of boosters was (other than for rabies vax). She said they accept titers instead of boosters. So i take that as a sign that the insurance industry is coming to accept the new thinking/research findings on the reliability of titers as evidence of immune response. I kind of expected her to say they required triennial boosters, imagining they would be conservative but she was clear that titers are acceptable for their purposes (basic healthcare requirements).
Just thought i'd pass along a few things from this phone call.
One, it took pretty long for someone to answer. I dial extension 333, that's the underwriting department. Maybe i should've just spoken to whoever picked up the phone on the main number, maybe they could've answered my questions. I was on hold for about 15 minutes at least. i guess they are growing as a company.
I first got my policy around the end of January last year, you're supposed to wait a year to ask to have a temporary exclusion removed. Zack's medical records continue to show him being treated for the diarrhea into the first week of March. But she said i could request removal of the exclusion now. She said there is a form they will fax me by tomorrow, and i have a vet fill it out and send it back to them.
I have a vet appointment for Saturday for a general check up. I'll send that to PetCare as well. I also have a complete blood count with extensive thyroid panel from November and parvo and distemper titers from November, everything came back normal/adequate, which i'll send them.
Their claim form has a checkbox on the vet's portion that says "all vaccinations are up to date." Or maybe it says "all necessary vaccinations are up to date." I asked her what their position on titers instead of boosters was (other than for rabies vax). She said they accept titers instead of boosters. So i take that as a sign that the insurance industry is coming to accept the new thinking/research findings on the reliability of titers as evidence of immune response. I kind of expected her to say they required triennial boosters, imagining they would be conservative but she was clear that titers are acceptable for their purposes (basic healthcare requirements).