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The Fine Print in Pet Insurance Policies
Does yours exclude normal dog behavior?

Pet insurance, like most forms of insurance, definitely qualifies as a “Buyer Beware” purchase. Jamie Richardson found that out the hard way when her seven-year old dog Muddy tore a ligament in his leg and her insurance company Petsecure refused to cover his veterinary care. One reason for denying the claim was that Muddy was running when he hurt himself. Specifically, he was happily running through the woods, which can also be described as “being a dog”.

Unfortunately for Richardson, “being a dog” is essentially excluded in her accident policy. The fine print states that any injury sustained while the dog is “jumping, running, slipping, tripping or playing” is not covered. Additionally, any accident that the guardian does not witness is not covered. In Muddy’s case, even if he had torn his ligament in full view of Richardson while he was, say, eating his dinner, none of the $4,200 in veterinary costs would have been reimbursed by the insurance company due to a “pre-existing condition” clause that relates to arthritis or degenerative joint issues.

Though X-rays at the time of surgery showed no signs of arthritis, the fact that the presence of bone spurs had been noted in Muddy’s medical records allows the insurance company to deny the claim. That’s true even though the surgeon said that the accident was not caused by arthritis and the veterinarian pointed out that those bones spurs are normal for seven-year old dogs, and minor to boot. Two vets saying no pre-existing conditions are present does not prevent the insurance company from denying the claim based on the “pre-existing condition” clause.

Richardson has cancelled her policy, since it did her no good at all. She borrowed money to pay her bills, and is now saving a little each month just in case Muddy has another accident or an illness that requires expensive veterinary care. She continues to let him be a dog, though, and he still runs through the woods near her home in Yukon.

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Karen B. London, PhD, is a Certified Applied Animal Behaviorist and Certified Professional Dog Trainer who specializes in working with dogs with serious behavioral problems, including aggression. She is the author of five books on canine training and behavior.

photo by OTA photos/Flickr

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