I had VPI for my old boxer.
When he was 5, he came down with vegetative endocarditis, an infection on the tri cuspid valve in his heart. VPI refused to pay for anything because endocarditis CAN be caused by aortic stenosis, which is a genetic disease in boxers.
Corey did NOT have aortic stenosis. The cardiologist did not note that, and even wrote a letter to VPI stating the dog did not have any signs of congenital heart disease. Still no payment.
Take your premiums, and put them in a separate account. That way, when you need the money, it’s there. And you don’t have to worry about paying out of pocket and getting a reimbursement. Besides, why give someone else that money. Put it in a high interest savings account and earn money on it, instead of lining someone elses pocket!
This is what I do now. I have three dogs and two cats. I put $50 a month in an account for them, and another $50 for the horse. I now have plenty in that account to cover almost anything that comes up.
