cavNrott

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None of the pet insurance companies will cover HD or ED to my knowledge. I haven't seen any company that doesn't list these problems as exclusions. My Rottweiler had a bilateral arthroscopy for arthritis in the elbows. As it turned out it was unecessary surgery anyway (thanks to the vet) but the insurance company refused to pay out because they stated the problem was considered to be Elbow Dysplasia even though the vets sent them a fax stating there was no dysplasia present. The insurance company categorised this as ED and nothing would alter their decision so I cancelled the policy. They stated that elbow 'incongruity' is considered to be ED. This was with AFS PetMed. Jaybeece, if you are insuring you dog in the event that Hip Dysplasia will be covered, have a thorough read of your policy. I think you'll find it is excluded.

You need to read what is written in the policy rather than what someone said to you. They will not be held liable for what someone told you. Go to their website and have a look at clause 7 under the 'What we will not pay for' and you will see that congnital/hereditary problems are not covered and they won't pay out if there is a claim.

You should have a look at clause 7 in the list of exclusions on the Petcover insurance policy. It states that they DO NOT pay for hereditary conditions.

I have recently cancelled my policy with AFS PetMed. Their list of general exclusions and an additional list of breed specific exclusions made the policy non viable. I wouldn't recommend them at all.

Why not go for a premium dog food. Bonnie is fairly ordinary as far as quality goes too.

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