Trupanion

Date: 4/22/ Revdex.com case # [redacted] Policy # [redacted] Complainant: [redacted] We have reviewed the Revdex.com complaint submitted by Ms [redacted] in regard to her concerns for the ineligible claims she filed for her pet OnyxMs [redacted] has asserted that she asked specifically about this condition before she enrolled but we are unable to verify that in reviewing the calls she had with us when she enrolled [redacted] or her other pet, ***, who was enrolled about month prior In reviewing ***’s enrollment call, the agent Ms [redacted] spoke to discussed the policy coverage and stated that we do not cover pre-existing conditionsThe agent also stated that we do not have breed restrictions and are able to cover claims for medical issues that Cane Corso’s are prone to, as long as it is not noted in the pet’s medical records prior to enrollmentHe advised that if a condition is discovered while her pets are covered under the policy, then it would be eligible [redacted] was enrolled on 11/19/and had a day waiting period before accidents would be eligible for coverage and a day waiting period before illnesses would be coveredThis means that on 12/12/when the prolapsed nictitans gland (Cherry Eye) was noted in [redacted] medical records, he was not yet through his illness waiting periodsThat waiting period ended about a week later on 12/19/which made his claim ineligible as he was not yet covered for illnesses under the policy Ms [redacted] was made aware that her policy for [redacted] had waiting periods and was provided a copy of the policy as well as a declaration page that detailed her waiting periodsThere was no discussion of any medical issues that were present or being treated at the time of [redacted] enrollment We completely understand that Ms [redacted] is unhappy with the outcome of this claimWe must be fair to all policyholders and adjudicate claims per the terms and conditions of the Trupanion policyWe are unable to honor Mr [redacted] ’s desired settlement to refund her for all of her premiums for both pets as she is paying for the service of insurance coverage in the event an accident or illness occursTrupanion then adjudicates claims filed based on the policy and in this case we were unable to assist with [redacted] condition as it occurred before his coverage was in effectIf Ms [redacted] has any specific questions about her policy coverage we are always here to help [redacted] and ***’s health is important to all of us here and we hope to continue our relationship for as long as it works for Ms [redacted] Sincerely, Amber S- Trupanion 1-888-733-

Thank you for the reply, ***. I understand that this situation has been frustrating. A denied claim is certainly never the outcome that we want for our customers. Our on-staff veterinarian had a very productive conversation with the surgeon who performed the surgery for your pet, Hermoine. He now understands our policy and how Trupanion views cruciate ligaments. This outcome is not a matter of medical nuance, since a bilateral CCL is specifically excluded in the policy language if the first CCL has occurred within the 18 months prior to policy enrollment. A copy of the policy is available online or we are happy to email or mail you one. I apologize that our agents have reached out to you via phone as opposed to email. We have found that often times a phone call can be more productive and more personal in these instances however we certainly want to respect your wishes.Our policy is the legal document that outlines our coverage. What Trupanion considers to be bilateral is not up for debate. The policy applies to all those insured under it so that we may assess and adjudicate claims fairly. We wish Hermoine a swift recovery. Best wishes, Malari – [redacted] Trupanion

Date: 7/6/ Revdex.com case ID # [redacted] Policy # [redacted] Complainant: [redacted] ***Trupanion has received the complaint filed by Mr [redacted] in regards to his recent claim submissionWe’ve been in contact with him to help address his concernsA thorough review of Mr***’s claims have been completed and Trupanion has processed the claim correctly according to the policy coverage, exclusions and optional deductible chosen by Mr*** The invoice dated 6/24/was in the total amount of $The Trupanion policy excludes the consultation fee ($185.00) and the deductible of his choice ($600.00)As these items that are not reimbursable, it resulted in no payout on the recent claim # [redacted] We are unable to honor Mr***’s desired settlement to reimburse beyond what the policy coversWe have been in contact and he has opted to cancel his Trupanion policy effective 6/29/We encourage Mr [redacted] to please give us a call if he should have any further questions, we are happy to help and can be reached anytime, 24/at Thank you,Kesa – Trupanion

Policy # [redacted] ***Pet: [redacted] Enrollment Date: 10/14/14Upon receipt of Ms***’ Revdex.com complaint, a review of her policy was done to determine the nature of her concernMs***’s year old mixed breed female canine, [redacted] , was enrolled with Trupanion on 10/14/Prior to enrollment on 05/07/2013, [redacted] experienced “left hind lameness” according to her records from [redacted] for Small Animals at [redacted] that was consistent with cranial cruciate injury Surgery to correct the CCL injury (a TPLO) was performed on 05/08/Recently, [redacted] experienced an injury to her right hind leg that resulted in a TPLO surgery for a cruciate injuryTrupanion was unable to extend coverage to this condition because Trupanion looks at cruciate injuries as “bilateral” – the exact exclusion in the policy reads:9.b.iv: The cost of treatment of bilateral conditions presenting on one side of the body, if that condition was a pre-existing condition on the other side of the body, such as luxating patella or anterior cruciate ligament (ACL ) or glaucoma, within months of the policy enrollment date;Since [redacted] had a ruptured CCL (CCL and ACL are synonymous) on her left hind leg in May of 2013, and then enrolled on 10/14/14, this places her initial injury within the months prior to policy enrollment and therefore we are unable to extend coverage for the ACL rupture on her right side that occurred in May Policy documents are provided to a policy holder upon enrollment via email and are also always available online.Trupanion managers have been able to talk to Ms [redacted] and are currently reviewing whether or not an appeal is the best option for [redacted] ’s claimTrupanion will guide Ms [redacted] into next steps should that be the case.Trupanion strives to pay claims that meet the criteria set forth by our policy wordingWe understand that it is a frustrating experience to receive an ineligible claim, but in order to remain fair and just to all policy holders we have a duty to adjudicate claims in the same manner for all those enrolled with usWe thank Ms [redacted] for her feedback and wish her and [redacted] the best in futureSincerely, Malari – Trupanion [redacted]

Thank you for your responseTrupanion was able to cover the charges associated for both of [redacted] 's recent claimed conditions, the dental issue as well as the mast cell tumor removalWith our policy however, we have to apply a deductible to separate medical conditionsThe deductible was satisfied for [redacted] 's dental issue and about halfway satisfied for the Mast Cell tumor conditionWhen there are charges on an invoice that apply to both conditions (like anesthesia for instance), we pro-rate the charge equally among the conditionsIf for some reason, a policy holder believes that we have split the charges inappropriately, we offer an appeals process once clarification is received from the veterinary hospital to allow for a reassessmentTrupanion does not offer coverage for general dental cleanings.Unfortunately, when a policy holder cancels with us, we are unable to reinstate as it is outside insurance regulationWe can certainly start a new policy should they wish to, but it is true that anything that occurred previously would be considered pre-existing and not eligible for coverageWe are sorry that this has been your experience.Sincerely, [redacted] - Trupanion

Date: 7/14/ Revdex.com case # [redacted] Policy # [redacted] Complainant: [redacted] We have reviewed the Revdex.com complaint submitted by Ms [redacted] in regard to her concernsShe enrolled her pets in a standard Trupanion insurance policy online on 6/30/at 5:PM and 5:PM respectivelyStandard enrollments have waiting periods before the coverage begins of days for accidents and days for illness On 7/1/at approximately 1:AM Ms [redacted] called our contact center and advised the representative that she had a promotional certificate (which would waive her waiting periods) that her veterinarian had provided her after her vet visit on 6/30/This certificate was provided after she had already enrolled in a standard policy online Ms [redacted] was advised by our agent that she would reach out to a manager to see if we could add the promotional code to her policy and would follow up to advise herOn 7/1/at approximately 5PM Ms [redacted] called back to follow up on her requestShe was informed at that time that because she had already signed up for a standard policy and she was not given the promotional certificate prior to enrolling, but had obtained it after she enrolled, she would not be able to use the promotional certificateMs [redacted] then requested to cancel her policy and re-enroll with the certificate insteadWe advised her that we are unable to honor the promotional code as it requires activation within hours of her veterinary exam and since it was already outside that time frame it would no longer be validAside from that, the purpose of the promotional certificates is to expose people to the benefits of pet insurance and since Ms [redacted] had already signed up for the policy coverage, the certificate is not applicableWe must be fair to all policyholders and cannot make exceptions in regard to this matter Trupanion’s sales manager has reached out to Ms [redacted] by phone and by email to discuss this matter further and Ms [redacted] ’s only reply was via email to request cancellationWe can certainly honor her request to cancel her policy and issue a full refund as she is requesting cancellation within the first daysWe would prefer to discuss this situation with her prior to her cancellation as we feel there is a great value to keeping her pets covered and we would like the opportunity to discuss this with her so that she can have a better understanding of the situationWe understand that Ms [redacted] was upset that the email was addressed to the wrong name and that was an honest mistake for which we extend our apologiesIf Ms [redacted] indeed wants to cancel her policy we will certainly honor her cancellation request We apologize for Ms [redacted] ’s experience and wish her and her pets the very best! Sincerely, Amber S- Trupanion 1-888-733-

Complaint: [redacted] I am rejecting this response because: There very well may not be a record of my callI often set my phone to No Caller ID for business purposes, and don't take the time to return it to Caller ID displayed for personal callsThere have been several incidences of there being no record of my calling into Trupanion, despite the fact that I most certainly had a phone conversation with someone there, yet when I call in again, the next person can't find any record of the conversation that was had prior to that call, and we had to go through the entire rigamarole againUnfortunately, the Trupanion phone record system isn't perfect So while I appreciate your attempt to validate my claim utilizing phone records, unfortunately, you're not going to be able to do soUnless of course you can prove that your system has never missed a call in its entire history, which isn't possible, because it's missed more than one of my calls Please live up to your end of the contract, and pay the medical bills for [redacted] immediately You are responsible to make deliver on what your employees state Sincerely, [redacted]

Date: 7/19/ Revdex.com case # [redacted] Policy # [redacted] Complainant: [redacted] We have received the complaint filed by Mr [redacted] and have review his concerns presented hereWe have been in contact with him and are currently waiting for him to advise us on how he wishes to proceed with his concerns Mr [redacted] ’s pet, ***, an year old mixed breed dog had presented at the vet for limping in an unlocalised limb pre-policy on March 24, On March 26, [redacted] started a Trupanion policyBecause the Trupanion policy does not cover conditions that showed signs/symptoms before the policy coverage becomes effective, we were unable to extend coverage for the visit on May 16, where the pet was again seen for limping, falling/tripping occasionally Trupanion reviewed this claim on an initial review and again on a secondary review (Appeal) and the original decision that this claim is ineligible as it is pre-existing to the policy stands These notes from the pet’s medical records show that there is a history of this issue that began pre-policy and has seemed to continue: “From Banfield Pet HospitCienega: • 01/04/16: O[wner] states that pet has lost some energy From Beverly Oaks Animal Hospital: • 3/24/2016: She does not want to walk, she has a history of lameness in unlocalized limbTachycardia, anorexia, lethargy, hypertensiveRecommended blood pressure, bloodwork, ECGOwners declined all diagnostics Post policy, the following notations also appear to be related to the claimed condition: From Beverly Oaks Animal Hospital: • 5/16/2016: Limping/falling occasionally – no specific limb per ownerOwner’s cousin is a vet in Peru and was pet sitting and she noticed a similar incidentRadiographs reveal Lumbar IVDD.” Upon review of the medical records and appeal letter we have found as the current limping/falling over/IVDD cannot be fully differentiated as not being related to or a manifestation of the pre-policy lameness in unlocalized limb, we remain unable to provide coverage for this claim Mr [redacted] asserts that he was not told by Trupanion’s sales person that the policy does not cover pre-existing conditions, Trupanion routinely advises policyholders of the exclusion to policy coverage, Mr [redacted] was emailed policy documents at the inception of the policyIt is the responsibility of the policyholder to review these documents to become familiar with the coverage they have purchased and to contact us if they have any questionsExclusion of pre-existing conditions is a standard in the Pet Insurance industry We understand Mr [redacted] ’s concerns and are waiting to hear from him to see if he wishes to pursue this claim concern furtherWe wish him and [redacted] the best! Sincerely, Amber S- Trupanion 1-888-733-

Date: 5/27/
Revdex.com case # ***
Policy # ***
Complainant: *** ***
We received the complaint that Ms*** has submitted and reviewed the information that pertains to her concernsMs***’s dog had a surgery pre-policy in June of to treat her pet,
*** was injured when his housemate jumped on his back
In June radiographic results of generalized intervertebral disc degeneration and other protrusions consistent with IVDD were found and noted in the medical records
In June of the dog sustained another injury when his sister jumped on himThis time it was noted that the pet’s MRI revealed the cervical (neck) discs were extruding from the vertebrae
This injury was determined to be consistent with Invertebrate Disk Disease (IVDD), a progressive disease that affects the pet’s spinal columnThe claim was re-reviewed on a secondary review called an Appeal and we again found the claim to be ineligible
The claim went through a third and final review with an independent third party, a specialist in the field of Orthopedic surgery who also upheld Trupanion’s decision that this claim was adjudicated correctly and asserts in his decision letter: "…if a dog is suffering degeneration of its intervertebral discs prior to policy inception and suffers herniation of one of those discs, I believe that such dog is predisposed to herniation at other discs, immediately adjacent or distant, form the first herniationAlthough the IVDD extrusion events are separate in time and anatomic location, the underlying disease process explaining their occurrence is identical and was present throughout the period of time prior to and after policy inception."
IVDD is a degenerative disease process and the condition claimed is consistent with IVDD, as signs of this degenerative disease are documented prior to full policy coverage it is ineligible since there was no insurance policy in place at that timeThe second injury in June of has been determined to be medically related to the pre-policy injury as the underlying medical diagnosis of IVDD was already madeSince IVDD is a degenerative disease process and progresses with time, the second injury is related to the first making it also pre-existing to her policy coverage and ineligible for coverage
We understand that Ms*** feels that these issues are unrelated, but the medical evidence is contrary to her beliefWe are unable to provide coverage for the costs associated with the treatment of the pet’s injury in June
We wish Ms*** and *** the best
Sincerely,
Amber S- Trupanion
1-888-733-

Date: 5/25/
Revdex.com case # ***
Policy # ***
Complainant: *** ***
We understand that Ms*** is rejecting our response to her complaintWe cannot assist Ms*** with her concerns if she will not discuss the situation with usIn her response to our reply Ms*** states that there is “nothing to discuss” and this leaves Trupanion in a difficult position since we are not being given an opportunity to assist her in resolution of the concern
We are unable to refund Ms*** for the amount that she is requesting as she was paying for the service of insurance in the event that a claim was eligible under the terms of her policyWe found that her pet’s injury was not an accident but the result of an illness degenerative joint disease which was suspected by her veterinarian and noted by the radiologist who reviewed her pet’s x-raysWe are not disputing that her pet sustained an injury to its leg, however, we are unable to provide coverage for the injury due to the evidence on the x-rays that the pet was already showing signs of degenerative joint disease
Ms*** asserts many things in her second response that are untrue and I wish to correct them here
Trupanion’s policy does not state that “all accidents are covered.” The first line of the actual policy appears on page and states: “We provide the insurance described in this policy in return for your timely and successful payment of monthly premiums and subject to the terms and conditions set forth in this policy:
We cover: The actual costs you incur for the veterinary treatment of your pet for unexpected illnesses or injuries with no claim payment limits.”
The policy continues to describe the coverage that we offer in detail throughout the remainder of the policy document
Ms*** believes that she paid a $registration feeTrupanion has a one-time enrollment fee in her area of $In addition to that amount the first billing includes the pet’s insurance premium which is approximately $90.00, so the total she was charged for the first month is the total of those amounts and is about $
The refund we issued was correct based on the prorated premium that was unused at the time of cancellationTrupanion provides a service of insurance and that is what the monthly premium pays forThe premium is the amount charged each month regardless if a claim is filed or if that claim is eligibleIf a claim is eligible then per the policy terms we would reimburse the owner 90% of the eligible costs after the deductible is metWe are unable to refund for past premiums paid for an insurance policy
We were unable to discuss these concerns with Ms*** and would welcome a discussion about this matter with her in greater detail if she wants to understand our position on the situation in more detail
Sincerely,
Amber S- Trupanion
1-888-733-

Complaint: ***
I am rejecting this response because: Nothing in the brochure and advertisement that I was provided by my veterinarian fro Trupanion on 1/15/stated that they considered a pre-existing condition to be self-reported symptoms rather an official diagnosisWhat Trupanion's rep fails to acknowledge is that ***'s official diagnosis occurred after she visited Sage Medical Center where the treating doctors determined that she had an obstruction in her stomach from a foreign objectIt was impossible for myself or anyone in my family to know in the morning of my dog's illness that the symptoms she exhibited were derived from an obstruction in her stomachIt was completely ridiculous and unethical for Trupanion to advertise their insurance policy as taking effect immediately and providing instant coverage when they then claim that any official diagnosis of a medical condition doesn't actually matterMore importantly, Trupanion fails to acknowledge that the premium for ***'s insurance policy had been paid for before her surgery on 1/19/and before her official diagnosis of a foreign object in her gut on 1/19/Trupanion's advertisement of immediate medical coverageTrupanion's advertisement of immediate coverage the subsequent denial plainly falls under a deceptive trade practice under California lawCalifornia Code of Business and Professions Section provides:"It is unlawful for any person, firm, corporation or association, or any employee thereof with intent directly or indirectly to dispose of real or personal property or to perform services, professional or otherwise, or anything of any nature whatsoever or to induce the public to enter into any obligation relating thereto, to make or disseminate or cause to be made or disseminated before the public in this state, or to make or disseminate or cause to be made or disseminated from this state before the public in any state, in any newspaper or other publication, or any advertising device, or by public outcry or proclamation, or in any other manner or means whatever, including over the Internet, any statement, concerning that real or personal property or those services, professional or otherwise, or concerning any circumstance or matter of fact connected with the proposed performance or disposition thereof, which is untrue or misleading, and which is known, or which by the exercise of reasonable care should be known, to be untrue or misleading, or for any person, firm, or corporation to so make or disseminate or cause to be so made or disseminated any such statement as part of a plan or scheme with the intent not to sell that personal property or those services, professional or otherwise, so advertised at the price stated therein, or as so advertised."Accordingly, I'm formerly rejecting Trupanion's response as I believe their advertisement for instant medical coverage after a routine visit to a vet is and deceptive under California law.
Sincerely,
*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
I have not had an opportunity to review the materials you have sent meI appreciate you sending me the information and I am hopeful this will help clear up some information on my issue.
I do understand now that California does not have a cap to increase rates Although that doesn't seem fair to a consumer, it appears there is nothing I can do to challenge this policy
Again, I will review the materials and thank you for sending it to me
Sincerely, *** ***

Complaint: ***I am rejecting this response because:No where in the policy does it state I will not receive repayment for test to diagnose the issue, to include blood work, x-rays, or ultrasounds Also the issues I brought *** into the vets office were not consistent with the pr-existing issues Where in the policy does it state that the test needed to diagnose would not be paid due to a pre-existing conditionI also asked for a 3rd party vet to look at the issue and Trupanion has not done that even though that is a part of the policy
In reference to the cancellation of the policy, I did cancel because so far I have paid almost 1,to insure two of my pets I filed a claim on *** *** and was told I was dollars away from meeting my deductible and for *** they claim it is a pre-existing condition I can put money away in an account for my pets to take care of the vet bill instead of paying this company dollars a month only to tell me I am not going to get reimbursed
Additionally, although you are informed that I cancelled the insurance, I did what was asked of me to cancel the insurance responded to e-mail and indicated I wanted the policy cancelled Trupanion is still trying to collect the insurance premium from me I called today and spoke with BAO from Trupanion to find out why the company is still trying to take money out of my account when I cancelled the insurance He told me I had to speak to his supervisor When I ask why he stated to cancel the insurance I am so frustrated and upset with Trupanion I reject the reason they gave you for denying my claims on ***.Sincerely,*** ***

May 16th, We received the complaint filed by Ms*** and reviewed her concerns regarding billing for her pet’s medical insurance policyWe received a phone call from Ms*** on 05/03/about rescheduling April’s premium paymentMs*** stated on this phone call that
she would need to push out May’s payment to 05/17/Our representative told Ms*** she would need to call back after April’s payment processed to make arrangements for May’s paymentWe did not receive a phone call from Ms*** until 05/11/after May’s premium processed as scheduled on 05/10/This caused Ms***’s bank account to become over drafted and resulted in an insufficient funds feeAfter reviewing the details surrounding the phone interaction, we feel that the expectation to call back and reschedule May’s payment was not made clearWe have since spoken with Ms*** and informed her that we would be refunding the overdraft fee and came to a mutual agreement that premium refund would not be beneficial as her next premium was already dueWe believe that we have settled Ms***s’ complaint, as she requested and we feel this matter has been resolvedWe apologize for any inconvenience this has caused her and encourage her to give us a call with any additional questions or concernsWe can be reached anytime, 24/at Sincerely, Sarah - Trupanion

Date: 1/30/
Revdex.com case ID #***
Policy # ***
Complainant: *** ***
Trupanion has received the complaint filed by Mr***We’ve been in contact with him to address his concernsAfter much research, we have no record of Mr*** enrolling *** on 1/15/We
do have record of Mr*** generating a quote online, but the quote was not converted into a full policyWe do have record of Trupanion also sending him an “abandoned quote email” with an easy link to click and enroll on 1/15/at 1:22PM PST
Mr*** enrolled *** in the Trupanion policy on 1/19/at 3:17PM PSTUnfortunately, the foreign body ingestion was confirmed and noted in the medical records to have started in the early morning on 1/19/Because the signs/symptoms were present prior to enrollment, the condition becomes pre-existing and not something that can be covered
When discussing Mr***’s concerns, he had requested cancellation of ***’s insuranceAt this time, the Trupanion policy has been cancelled effective 1/27/and a separate confirmation has been sentIf there is anything else we can do to assist, we can be reached anytime, 24/at (855)210-
We wish *** a speedy recovery
Sincerely,
***

There has not been any action taken from Trupanion side to resolve my issue
Complaint: ***I am rejecting this response because:Sincerely,*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to metrupanion accepted and acknowledged how they treated me was wrong and handled my claims accordingly and reinstated their policyif I would have gotten a call from a claims manager earlier than weeks after my initial claims, I may not have been treated as badly as I wasin the end they acknowledged their shortcomings and took care of me
Sincerely,
*** ***

Date: 10/13/
Revdex.com case ID #***
Policy #***
Complainant: *** ***
Trupanion has received the complaint filed by MrBonomi in regards to his claims being ineligible for his pet, NellieWe appreciate MrBonomi’s clarification and have been in contact with him while we
work together to find a resolution
Once a thorough secondary review of the claims has been completed, Trupanion will update MrBonomi as soon as possible
In the meantime, if there is anything else we can do to assist, please don’t hesitate to reach out to us directlyWe can be reached anytime, 24/at
Thank you,
Kesa

Date: 3/11/
Revdex.com case # ***
Policy # ***
Complainant: *** ***
We have received the complaint filed by Mr*** and understand the concerns that have been presentedWe spoke with Mr*** and have addressed his concerns regarding our Privacy PolicyWe feel
that we have come to an understanding with Mr*** and have taken his suggestions for how to clarify the Privacy Policy on future versions
We hope that Mr*** feels satisfied after our conversation and that he has a better understanding of the Privacy Policy as it stands and knows that we are committed to making changes to improve our customers’ experienceWe are grateful to have Mr***’s input as we feel the voice of our customers is important to our business
Sincerely,
Amber S- T***
1-888-733-

Complaint: ***I am rejecting this response because: it is not adequte*** has had other vet visits where she has had diarrhea which has been pinpointed to various parasites (previous records from south Wilton vet which I can obtain if needed) When we brought her in on March 26th we had thought it was a parasite causing it The vet thought it might be related to addisons which was brought up when we brought her to CUVS in November AT THAT TIME CUVS never diagnosed her with Addisons and to be frank I didn't even remember their mention of it Their stated diagnosis was Liver Fluke, a rare parasite When I submitted my claims, I was not looking for payment but rather for something to count toward the deductibleI called your company before submitting the claim and was told by a representative that I did not need to submit separate claims forms if it was all a similar issueI had waited until August when I had time to submit and had several vet visitsOne or two were for diarrhea and a few were for vomitingShe told me I could file them all under gastrointestinal issuesI did just that and could not remember if I signed up in March or FebruaryEssentially because I submitted the March 26th vet paperwork and because she had been previously hospitalized all of her ensuing vet visits are assumed to be the same issue and a preexisting oneAgain, the CUVS team determined that her illness was due to a liver fluke at that timeAdditionally, I don't know how a condition can be called preexisting if it has not been diagnosed and could be due to something separate (e.g, more than one illness can cause something as diffuse as vomiting and diarrhea)I am not requesting that anything be covered but merely that I be refunded that months of insurance policy payments I paidDuring those months I visited the vet times, paid out of pocket, and had nothing even counted toward a deductibleIf everything is a preexisting condition including tummy upset, then this insurance policy is not doing anything except lining your company's pockets
sincerely
***
Sincerely,*** ***