Chronic gingivitis-stomatitis insurance Q
Posted: 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
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