Today I'm sad and frustrated. Lily, who is now six months old (I know, I can't believe it either) is starting to show signs of itchiness and rash. She has been a super healthy pup until this point and it's very upsetting to me to think she may go through the very same battle as Lincoln.
The only difference is that she has been insured since day one. So, anything needing to be tested or checking very well should be covered.
Lincoln unfortunately, suffered from a slight ear infection as a puppy shortly after we adopted him and his insurance, at the time, linked his ear problem to later skin allergies. Before he even showed signs of allergies his insurance considered everything "pre-existing." So every vet appointment that comes with a flair up and every bit of medication comes out of pocket, bummer right?!
I feel like if there is any advice I could give to new dog owners, getting insurance would be it. Get it right away! Don't wait until your first vet visit, get them covered as soon as possible because you never know what the vet may find that you have no idea about -- like a heart murmur.
If any condition is recorded in your veterinarian's records before your pet is insured you can say goodbye to any chance of coverage; not just for that condition, but also for anything the insurance company deems a secondary or related complication. Linc's ear infection was categorised as pre-existing skin allergies because many dogs with skin allergies develop problems with their ear canals. So his allergy tests and repeated vet visits got quite pricey before we had enough information to get things under control. Although Lily's state is worrying me (I'm a worrier), I'm reassured that if what she is experiencing isn't just a one-off, we can figure things out and make what could be expensive decisions with the peace of mind she is totally covered.
So why am I sad and frustrated? I think any pet owner trying to battle their dogs health problems feels defeated at times. It's hard knowing that there is something that is totally beyond your control, and sometimes it is a long trial and error before you get anything nipped in the bud. If you have pets and can relate, just know that when your pet is uncomfortable and you're changing their diet AGAIN, you are not alone.
Now go shop for suitable pet insurance! My best advice is talking to other pet owners. The best reputation is by word of mouth.