Tuesday, August 9, 2011

How will i stand with my Dogs Vet Bills Insurance?

My 10 year old Cavalier KC was off colour on Friday and ate little, on Saturday she did not move from her bed all day, nor eat, and had a mild discharge from he tail end. Same thing on Sunday when she seemed worse and very weak. The so called 'emergency vet' number was not manned so i could not get her into the vets until Monday morning, They kept her in all day and she had x rays, blood and urine samples etc. These showed a nasty combination of things, enlarged heart, damaged liver and severe infection of the uterous. She is now having anti-biotics, diuretics and pain killers and there will obviously be on-going expenses. Now she has had health insurance since she was a pup though it has never been called upon. Apart from the mandatory excess her insurance will cover the present bills and treatment BUT her annual policy runs out on 5th December. this will be automatically renewed unless i cancel my direct debit. But my question is as it retains the same policy number will her ongoing expenses' be met in the future or are the insurance company likely to pull out the rug on 5th December and refuse any claims next year as it does not cover for 'existing conditions' and by renewal time presumably her woes will be an existing condition.

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