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Review 1/4/2010
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We just lost our Irish Setter to a fast moving cancer. Within a week of diagnosis, we had to put her down. We spent $2200 in that one week to try to get her some help, assured by the vet and the oncology specialist that this was cancer and would be covered by our pet insurance. The initial round of testing and surgery to remove a growth cost us $1000. The biopsy came back as cutaneous histocytosis. It became apparent based on clinical signs that she had the more aggressive cancer, malignant histocytosis. We weren't worried because we had the BEST plan and on top of that, had the cancer rider so it should be covered. Unfortunately, we lost our little girl quickly and we were devastated. We submitted $2200 in bills to VPI. ALL were denied because histocytosis is not covered and is listed on exclusions on the policy under letter I. Now, being laymen, when we reviewed the exclusions, we had no idea histocytosis was a cancer since IT DID NOT SAY THAT when it listed it. And when we purchased the cancer rider, nobody explained that this exclusion was a form of cancer which would not be covered to us. Lesson here- READ all the exclusions to your policy and ask questions. There are a lot of exclusions. VPI does not volunteer explanations on listed exclusions willingly. Our biggest complaint (other than feeling totally ripped off)is that they wouldn't even cover the first round of testing and surgery that led to this unfortunate diagnosis. How would we have known what she had without this testing? And I'm just waiting for them to deny the euthanasia cost as well since it was a result of this disease. That is just plain wrong. Save yourself the money and put your money in a savings account- we have paid over $12,000 in premiums to VPI over the last ten years for our two dogs and they never even cover half of what our NYC bills cost. If we had saved the money ourselves, we would have been much better off.
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