A $1,940 Dental Invoice: $924 Paid, $585 Excluded
One invoice, two categories. The extractions were covered as illness; the scale and polish was routine care and excluded. The itemisation decided…
Three Years of Heart Medication Against a $3,000 Cap
A Cavalier diagnosed with mitral valve disease at six. The policy paid well for two years, then the per-condition limit closed the…
Denied at Four Months: The Orthopaedic Waiting Period in Practice
A luxating patella diagnosed at nineteen weeks, one week before the six-month orthopaedic wait expired. The policy was valid and the claim…
A Denied Dermatitis Claim: Four Words in a Note From Two Years Earlier
$2,140 of allergy work-up, declined because a vaccination appointment had recorded "mild itching, monitor" twenty-two months before the policy started.
A Lymphoma Protocol Against a $10,000 Annual Limit
Eighteen weeks, fourteen invoices, $11,430 invoiced. The limit ran out in week fourteen — and renewal was eleven weeks away.
A Blocked Cat, Two Claims, One Limit: $2,240 Then $1,980
The first obstruction was paid without question. The second, nine months later, met a per-condition limit that had already been partly used.
The Sock That Cost $3,180 — and Why Timing Doubled It
A two-year-old crossbreed, a swallowed sock, and a 36-hour delay that turned a $1,600 gastrotomy into a $3,180 resection.
A $5,940 TPLO Claim: Paid, Then the Second Leg Was Not
A six-year-old Labrador, a ruptured left cruciate, a clean claim — and a bilateral clause that decided the outcome eighteen months later.