Has anyone successfully convinced an insurance company to pay for their pet’s surgery? I’ve heard a lot of people say that pet insurance is a scam. They claim the companies always find a way to deny claims because the contracts are so favorable to them. Paying $50 a month or $600 a year adds up to $6,000 over ten years, which is way more than I’ve ever spent on vet bills. If they deny claims too, it feels like a total rip-off. 
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I’ve had some success with that! My insurance covered expensive diagnostics like MRIs, specialist visits, and pricey prescriptions. Some pets just have worse luck than others, and vet care costs are rising, but many people don’t fully grasp how insurance works or what they’re buying. When they get denied, they often cry scam.
Do I trust insurance companies completely? Not really. But they have to follow the contract’s terms, and they do pay out when those conditions are met. Just look at the claims they process clearly, some are getting covered.
You’ll see similar complaints in car insurance forums; people say that’s a scam too, usually because they don’t realize what they bought until it’s too late. Insurance companies need to clarify what is and isn’t covered, and they should disclose pre-existing conditions up front. Still, many folks sign up without reading their agreements, which can lead to problems later.
It might not make sense for everyone to get coverage for older pets with lots of pre-existing conditions, but to call it all a scam seems a bit harsh. 
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I totally agree! As someone in dental billing, I see insurance as a way to help with care costs; they’re not obligated to provide free treatment.
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Haha, I used to do medical billing too 
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Could you share which insurer you use? Your insights are super valuable as a biller! 
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It sounds tough because, based on what you said, it does seem like it was a pre-existing condition before your policy started. It’ll be tricky to challenge that now that it’s in your dog’s records.
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What insurance company are you talking about?
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It’s MetLife @KeyGlock
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I had a dog who really drew the short straw with health issues. By age 4, he was done, and pet insurance covered almost all of it with just a $100 out-of-pocket expense. Those treatments were crazy expensive surgeries, meds, tests you name it. The next dog we get will likely be healthy until they’re older, so we’ll make back what we spent on insurance.
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Would you mind sharing your insurer with us?
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I’m with 24PetWatch for my dog who has epilepsy. We pay about $50 a month, and they cover 80% of our medication and vet visits. They’ve never denied a claim, and we’d be in real trouble without them.
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Next time you need your cats’ teeth cleaned, just DM me! I’ll do it for a steal at $7,000.