Kim Pfister, Rainmaker Labs
Here is what Pet Plan wrote me in November 2010
Just a reminder to ask your Vet to write a specific notation in your pet’s written medical notes during the first 30 days, beginning on the effective date of the policy, stating that
“your pet has been examined and there is no evidence of cruciate or patella disease”.
Otherwise there will be a 6-month waiting period for Luxating Patella and Cruciate
Two-three days after I get a puppy, I get her examined and make sure that the vet looks at her knees and writes in the notes “your pet has been examined and there is no evidence of cruciate or patella disease”.
Forget it Ted, you aren't understanding the question. Per pet plan if you have the good knee operated oniut of pocket for the reasons mentioned previously that knee will never have any coverage for future injury. That's what I was asking the whole time. Does that make sense Ted?
I assume you are a claims adjuster from your name. Get a copy of the policy and read it. They are bound by the contract. Since it is a contract of adhesion, any ambiguity goes in favor of the policy holder. To cover or not to cover is not an underwriting decision unless they are giving more coverage than the policy specifies.
They don't send out policy booklets that im aware of. I stating what I was told by pet plan. Everything is not spelled out in a policy, lots of the language is left open ended for a reason.
Unfortunately Petplan is not yet available in my part of Canada, hopefully by the end of the year. At that time I will check in to it as non of the companies here will cover the good knee after an injury to the other one.