Chronic gingivitis-stomatitis insurance Q

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Lucky_Blue
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Chronic gingivitis-stomatitis insurance Q

Post by Lucky_Blue » Wed Mar 20, 2019 8:04 pm

Hi guys,

Apologies for the lengthy post in advance, in need of some advice.

I adopted a lovely British Blue girl from a reputable rescue centre last September who's been nothing but an absolute joy.

However as of mid-February, she started having trouble with her food (pawing at her mouth/dropping food/less of an appetite). I took her to the vet who assessed her and found she has advanced gingivitis-stomatitis.

She went on a course of antibiotics and had a blood test to check for FIV FELV, which thankfully was negative. The antibiotics didn't clear up her issue however, so the vet recommended a full dental extraction. She is now on a course of anti-inflammatory steroids to prepare her for this surgery, and is responding very well.

For the purposes of claiming back on insurance, I asked the rescue centre for a patient history from the vet she was originally checked/treated at when rescued (to check she has received dental treatment - a prerequisite for claiming back. On this history, it mentions the vet recording advanced gingivostomatitis. This was never disclosed to me by the rescue centre - I was told she was perfectly healthy.

I believe this information could potentially affect me claiming the expensive dental treatment back, as my insurance details mention:

Not insured: Any event, illness, injury, disease or changes to your pet’s normal healthy state that happens, or your pet shows signs of, before the start date of the policy, including conditions that are related or linked.

I'm a bit at a loss as to what to do. It sounds like the above clause throws the claim into doubt, but I'm wondering if the fact I was not disclosed of her condition has any weighting. Would love to know if anyone has had a similar experience.

Thank you
J

booktigger
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Re: Chronic gingivitis-stomatitis insurance Q

Post by booktigger » Wed Mar 20, 2019 8:23 pm

It could affect you unfortunately- who are you insured with?

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Ruth B
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Re: Chronic gingivitis-stomatitis insurance Q

Post by Ruth B » Wed Mar 20, 2019 8:47 pm

I can't help with the insurance query, but I did want to mention something I have come across recently, Laser treatment for chronic gingivitis.

My lad suffers from viral gingivitis and while it doesn't seem to be giving him problems at the moment we have been warned that it might mean he has to have all his teeth extracted at some point in the future. I came across a post from a charity I follow saying that one of their long term residents was going to be trying Laser treatment for his gingivitis as an alternative to having his teeth removed. After 3 or 4 sessions it is looking like the swelling and inflammation has been reduced and he is able to eat again comfortably. So when my lad starts to have problems I will be asking my vet about it, I may even start inquiries next time he is in for his boosters.

I thought i would mention it as it might be something that could help your girl keep her teeth at least for a while.

Lucky_Blue
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Re: Chronic gingivitis-stomatitis insurance Q

Post by Lucky_Blue » Fri Apr 05, 2019 6:37 pm

Hi both, thanks for getting back to me and sorry for the late response.

After reviewing my insurance, sadly I think it's probably a null point considering it's emerged it was a pre-existing condition. Sad, but to be expected. It's only a financial sting at the end of the day.

@Ruth B, that's very interesting. I have a phone consultation with a dental specialist this coming week and will ask about laser treatment. I hadn't come across that as an option. Will feedback if they have any useful info.

Thanks again guys, really appreciate you taking the time.

milesdavid
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Re: Chronic gingivitis-stomatitis insurance Q

Post by milesdavid » Fri Apr 05, 2019 7:00 pm

I hope she'll get well soon.

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