Shay--this is so frightening and stressful.
About Petcare, do you have a copy of your vet's notes that were sent to Petcare? I routinely always ask for a copy of Zack's medical records for my own file on him. You can ask for a copy if you don't already have one. Then you could look and see what your vet wrote.
Scratching is so nonspecific, even if Lily turns out to be diagnosed with SM later, i question whether the Petcare underwriters could or would link the early scratching to SM. SM doesn't always have scratching, and even if she has SM, she also could've had a skin allergy, caused by such a myriad of things. If the vet wrote allergy down in her chart, all the better.
My experience with Petcare is that they go by what's written down and they don't read between the lines. Also, they go right by what your vet says, if a vet says it, they accept it. If your vet hasn't said SM, i don't think they will decide it was notated retrospectively. If a neurologist later diagnoses SM, i think they probably wouldn't go back and try to say that the earlier scratching was linked to the SM. It doesn't seem to be the way they operate in my experience. They just go by what's on the claim form and your vet's chart notes.
As far as seeing a neurologist goes, i'm pretty sure you don't need a referral. Petcare says clearly in their description of their policy that you can self refer to ANY VET. There is no requirement to get a referral from a regular vet to a specialist. You don't have to consult with your regular vet on it at all. If you want your dog to see a neurologist, you call and make an appointment and if there is a diagnosis of an illness, you submit a claim.
I know a lot of dogs are treated for SM without having MRIs. SM can only be diagnosed for certain with an MRI, but what this means for insurance purposes, i dont know. Apparently vets diagnose SM, at least provisionallly, without MRIs. I'm just wondering if your neuro consult could be covered before an MRI. But you will likely have an MRI so eventually you can claim the consult, one way or anohter, IF there is a diagnosis as a result.
i know you are heartsick and very worried about the medical costs. I hope most of all that whatever is causing the symptoms will not be SM. Whatever it is, i hope your insurance will cover it. my experience has been that Petcare just follows their own rules, and they dont' seem to be going out of their way to avoid paying claims. They are very document oriented, and if things are written a certain way by a vet, they will be covered. And they are not looking for any long explanations or treatises. If you look at their claim form, there is only one or two short lines for a vet to write the reason for the claim. If a clear diagnosis is written down, i think they will just pay it, up to your limit for that illness category. If they want more information, they will contact the vet. Every vet i've talked to about Zack and his insurance, which includes 7 vets, including an ER vet and a radiologist, all of them have indicated a willingness and eagerness to do whatever they can to get things covered by the insurance, several have explicitly said to me that they want to write whatever is necessary to get the claim covered.
One other thing--you might want to consult with a lemon law attorney. Your state may have lemon laws that cover puppies, lots of states do. the different states' laws are similar--in my state, you can sue the breeder if your puppy is sick and a vet documents the illness within a ceratin time after you got the puppy (up to a year for hereditary conditions). You may keep your puppy and have your vet bills reimbursed up to 150% of your purchase price in my state. A lawyer experienced in these laws would have to advise you. Also your state department of consumer affairs. I would also check public interest attorneys in nonprofit agencies. With laws, things change all the time, and the evolutionary movement is toward puppy lemon law coverage. More states pass these laws as time goes by. Maybe it won't be available in your state but may be worth looking into.
I couldn't find anything on Alabama puppy lemon laws on the web just now, but the list of puppy lemon law states may not be the most up to date info--you would need to check with your state department of consumer affairs, and perhaps try a free consultation with an attorney, these are available--just find out if there is case law in which puppy buyers have won restitution for sick puppies.
http://www.consumeraffairs.com/pets/lemon_intro.html
http://www.malteseonly.com/lemon.html
here's an attorney that says you get a free intake evaluation and also they say that you never have to pay fees for their representation on lemon laws. However, no doubt they take a percentage of what you win.
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