They don't say anything about not covering inherited conditions, they only say no coverage against hip displaysia. They don't cover "pre-existing" conditions, but can an inherited genetic disorder be classified as a pre existing condition even if there are no symptoms presented for lets say, the first 4 years (as in some cases with MVD?) Gee Karlin, now you got me thinking!!
PREVENTIVE CARE EXCLUSIONS
We do not insure:
Preventive healthcare including vaccinations or titer test, flea control, heartworm medication, dental care and prophylaxis(meaning cleansing of the teeth’s surface), de-worming, nail trim, anal gland expression and grooming
For pets that have not been neutered or spayed prior to their 1st birthday, the following items;
prostate problems, hormonal skinproblems, testicular tumors, peri anal tumors, urinary tract disease, mammary tumors, uterine and ovarian problems, whelping,giving birth, diabetes;or injury due to fighting, collision with a motor vehicle or aggressive behavior.
This exclusion does not apply to pets that have been spayed or neutered prior to their 1st birthday or spayed or neutered within 30 days of being adopted by you from a provincially licensed animal shelter.
OTHER EXCLUSIONSWe do not insure the costs, fees or expenses associated with: Injury due to any intentional act by you or a member of your household. Elective procedures, cosmetic procedures, including but not limited to tail docking, ear cropping, de-clawing, dewclaw removal,ear cleaning, skin folds, nail trims, deciduous teeth.
Boarding or transport expenses other than as provided under the Additional Coverage and Benefits section of this policy.
Illness or injury arising from an activity if the same or a similar activity caused injury or illness within 18 months prior to thecoverage inception date.
Pre-existing cruciate ligament problems to one leg as respects the cost of treatment for problems of the other knee.
Diseases preventable by vaccines and prophylactic medications (such as heartworm, lice, internal parasites and fleas).
Conditions arising from or as complications of conditions excluded or limited by this policy.
Abnormalities either present at birth or prior to the policies inception date. This includes conditions that are detectable by a routine physical exam by your veterinarian, regardless if they have been noted or examined. (so I am assuming this means as long as I get him on ins. before he developed some kind of heart murmur even though it might be an inherited condition he still wasn't presenting with it when he was initially examined.. which means he should be covered, am I right?)
Dental disease, however we cover the cost of extractions of damaged teeth and of reconstruction of lower canine teeth if resultingfrom injury from teeth caused by an accidents.
Claims in any way arising from the lack of use and/or implementation of preventive healthcare products and/or methods when such products and/or methods would be in accordance with generally accepted veterinary standards.
Routine healthcareincludes:vaccinations, flea control, heartworm medication, de-worming, dental care, ear plucking, grooming, and prudent regular care.
Anal gland expression, including infection, impaction, and abscess.
Special diets, pet foods, vitamins, supplements, grooming costs, shampoo and bathing (including medicated baths);
Any claim for loss by a nuclear incident as defined in the Nuclear Liability Act, nuclear explosion or contamination by radioactivematerial.
Illness or injury arising from any specific activity of which we give you written notice, unless the illness or injury occurs prior to the delivery or sending by us of such notice.
Alternative therapy including, but not limited to, holistic, homeopathic acupuncture, physiotherapy and chiropractic treatments.
Breeding or conditions relating to breeding, whelping, and queening
Behavioral problems, behavior altering medications, training or therapy;
Diagnostic tests for conditions excluded by this policy and complications of conditions excluded or limited by this policy; (so since SM is not a condition excluded by this policy and is no mention anywhere of it being limited, then a diagnostic test not pertaining to anything excluded in this section should be covered, right?)
Injury, illness or condition caused by war or war activities, whether war be declared or not.War activities include civil war,insurrection, rebellion, or revolution or any act or condition incident of any of the foregoing;
Terrorism
Taken from
www.vetinsurance.com
This is found in their "fine print and exclusions" section. According to this I think if the vet feels he should be sent for an MRI to test for SM then it should be covered? Or am I missing something?
And what are other people currently using for insurance? I just want to get the best plan I possibly can at a reasonable price.
if you go to the vetinsurance.com website and click on canadian resident and click shop and compare you can compare vetinsurance, petplan, and petcare. I don't think VetInsurance is available in the US yet though.. !