Pet Insurance Screwed us

"Pre-existing conditions"

GBurke59

 

 

Buffy has always been a snorter. She breaths through her mouth a lot. We thought it was cute at first, but soon realized that it could be a bad thing. Luckily, when we picked up our kittens 5 months ago, we opted in for Pet Insurance through Trupanion. This is the first time we've ever had pet insurance. Our very first claim for a 400$ procedure was denied. Why? Because my wife wrote down "The breeder said she'd been doing this before we picked her up" and just like that, all procedures that have to do with her breathing and nose are now not covered. So, if this ends up being a HUGE issue that requires surgery, we're pretty much screwed. Thanks, Trupanion glad we could count on you.

This is Buffy, and Trupanion apparently doesn’t give shit about her
This is Buffy, and Trupanion apparently doesn’t give shit about her
From The Chatty
  • reply
    December 1, 2020 10:17 AM

    GBurke59 wrote a thing!

    Read more: Pet Insurance Screwed us

    • reply
      December 1, 2020 10:20 AM

      Pre-existing condition. Most insurance companies don’t cover that.

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        December 1, 2020 10:22 AM

        Ya, well, fuck us for be honest I guess...lesson learned.

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          December 1, 2020 10:37 AM

          Yeah, it’s pretty common, unfortunately.

          I’ve used pet insurance a couple of times so far and haven’t run into any issues. The deposit is steep but if anything major happens, it’s there.

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            December 1, 2020 10:42 AM

            Just frustrating that one sentence changed everything.

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        December 1, 2020 1:19 PM

        Fortunately it's now illegal for medical insurance in the US to deny based on preexisting conditions. Hopefully Trump doesn't somehow manage to remove that part of the AHCA in the next 50ish days somehow.

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      December 1, 2020 10:36 AM

      Was looking at pet insurance after I had to fork over $600 for my doggo for them to just send her home with prescription I had to buy myself at the grocery store. After looking through and researching them they all seem to be pretty similar and shitty :/

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        December 1, 2020 10:56 AM

        There's like 0 regulation on it currently. Would be nice if there was a blanket insurance legislation for all kinds that set some sort of minimum standards.

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        December 1, 2020 12:47 PM

        They offer a lot but pull the rug from under you all the time.

        They cover the most basic of diagnostic tests for instance and it won't catch some of the common or growing diseases. You end up paying extra for that.

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      December 1, 2020 11:33 AM

      [deleted]

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      December 1, 2020 11:41 AM

      They didn’t really screw you though, as much as that sucks

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        December 1, 2020 11:51 AM

        I mean, we thought being transparent and honest were the routes to go. The fact that the breeder new this was happening, and we relayed that information to the vet on a form, that lead to literally ANYTHING that has to do with her breathing/Nose but not covered, even if it's unrelated to her snorting entirely. That's really crumby.

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          December 1, 2020 12:18 PM

          Yeah I get it. Honesty with insurance companies is a fine line

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            December 1, 2020 12:27 PM

            I'll keep everyone posted. Her Snorting could be nothing, but I've seen how absurd and expensive Vet bills can get. So I'm just down this rabbit hole. Nothing is worse than loving an animal and not having the money to fix them and having them be put down. With Nessie, Brain Surgery and a MRI were an option. The MRI alone was 8,000 dollars, with no guarantee it would help, apparently i deserve it for buying cats from breeders instead of adopting.

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              December 1, 2020 12:32 PM

              Do you deserve it? No, but in the future I'd avoid it if only because pet breeders are the worst.

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              December 1, 2020 12:52 PM

              Treat insurance companies and the info you tell them, as if they are trying to find any reason not to give you money. Because that’s what they are doing. They are not out to help you.

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                December 1, 2020 1:27 PM

                Yup, at this point I would change pet insurance carriers if possible and never bring up anything that happened up until the day they agreed to become your insurance carrier. They will only use it to fuck you over.

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        December 1, 2020 3:00 PM

        They did, just in a way that somehow is considered normal here.

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      December 1, 2020 1:58 PM

      Wow sorry you have to go through that. At this point, it's probably more cost effective NOT to have insurance.

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      December 1, 2020 2:08 PM

      What a shame to delete that batshit Wikus post.

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        December 1, 2020 2:21 PM

        Hope he was piled on and banned again. Missed it due to meetings

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        December 1, 2020 3:51 PM

        I side with Wikus.

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        December 1, 2020 3:55 PM

        Nah, it added nothing.

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        December 1, 2020 4:19 PM

        I miss all the fun

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          December 1, 2020 4:41 PM

          He told Gburke his cat deserved to be sick because he didn’t get it from a shelter.

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            December 1, 2020 4:46 PM

            [deleted]

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            December 1, 2020 4:49 PM

            Lol wtf

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            December 1, 2020 4:55 PM

            Surely that's taking it out of context? It has to be? I haven't seen the post but I'm missing it now.

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              December 1, 2020 5:17 PM

              no, said it was karma for buying instead of adopting

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              December 1, 2020 5:37 PM

              https://i.imgur.com/kOW7bG5.jpg

              He doubled down after g replied too.

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                December 1, 2020 5:40 PM

                Oh Wikus whut.

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                December 1, 2020 6:39 PM

                [deleted]

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                  December 1, 2020 6:40 PM

                  He has been permabanned for ban evasion.

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                    December 1, 2020 6:42 PM

                    [deleted]

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                    December 1, 2020 6:43 PM

                    that's truly not surprising

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                      December 1, 2020 6:44 PM

                      Disappointed. I unbanned him. Most returnees act better than that. Oh well.

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                        December 1, 2020 6:45 PM

                        You do what you can. Some folks just don’t learn.

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                        December 1, 2020 7:07 PM

                        He’s really entertaining if you picture him as Sideshow Bob and read all his posts in that voice

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                          December 2, 2020 6:09 PM

                          opengl128 - wikus is going to hold a grudge against you for lol'ing the reply.

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                      December 1, 2020 6:46 PM

                      It isn't, though still disappointing. Some days he'd contribute a lot, other days he'd decide the whole world was his enemy and couldn't fathom that he had any part in the reaction he got.

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                        December 1, 2020 6:47 PM

                        Spot on.

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                        December 1, 2020 7:13 PM

                        This is the most apt Wikus characterization I've seen yet.

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                        December 1, 2020 7:20 PM

                        ^^^this is my feeling too. When I met him in person he was a chill guy. I suspect moving out of the PNW, his home state, and living in the south has been really hard on him.

                        Sad stuff.

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                          December 1, 2020 7:23 PM

                          Yeah wikus in North Carolina is a bad mix. Poor guy. I hope he finds some joy sometimes

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                            December 1, 2020 7:53 PM

                            If you’re in touch with him, please let him know how to get ahold of me. :(

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                        December 1, 2020 7:22 PM

                        Sometimes you can make a hot take using hyperbole to get a point across and come to regret it later. I must admit I wouldn't push it on a topic like karma for not getting a shelter cat, but I can understand a spicy hot take for effect, with an underlying good message you're too inept to get out in a better way, it's 2/3 of my post history to be honest.

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                          December 1, 2020 7:33 PM

                          It takes some real self awareness to see that, so that's something at least.

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                            December 1, 2020 7:36 PM

                            I love kitties, shelter ones or breeder ones, someone posted a legit kitty just today, man it was a pretty kitty!!!!
                            RIP Wikus, I defended you many times over the years, alas I can not rescue you from this one. Truly an American icon.



                            • reply
                              December 1, 2020 7:45 PM

                              to be fair he deserve to go when he shit on grits

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                                December 1, 2020 7:49 PM

                                I don't like seeing anyone banned, ever. It's a very unpleasant process to go through, especially when you feel you've been misunderstood or want to make up for it but have no avenue to do so.

                                I do not know what grits are - something to do with Natalie Portman to my knowledge.

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                                  December 1, 2020 7:52 PM

                                  and would you ever shit on Natalie Portman???

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                                    December 1, 2020 7:54 PM

                                    After seeing Closer, no I would not do this to her......... nope.

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                                    December 1, 2020 7:55 PM

                                    You’re talking to a man who would probably “aim to please”

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                                    December 1, 2020 8:04 PM

                                    i mean is she asking me to? is my wife ok with it? im not into that stuff AT ALL but i mean if she wanted me to then maybe we could work something out i guess????

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                                    December 1, 2020 8:21 PM

                                    Did I eat pastrami before?

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                                    December 1, 2020 8:56 PM

                                    Sure, as long as she'll shit on me in return.

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                                December 1, 2020 10:12 PM

                                tbf grits are gross.

                                ¯\_( ͡° ͜ʖ ͡°)_/¯

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                    December 1, 2020 6:52 PM

                    RIP Wikus. I will see you again, but not yet... not yet.

                    https://www.youtube.com/watch?v=SF9C3cklVIQ

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                      December 1, 2020 7:01 PM

                      Between seeing your late wife and kids in Roman heaven or Wikus, you chose Wikus

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                    December 1, 2020 7:17 PM

                    Define ban evasion? Making the cortex post or registering a new account to post in the chatty?

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                    December 1, 2020 7:19 PM

                    Does banning also delete the account, because it's now deleted?

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                      December 1, 2020 7:21 PM

                      No, it means he is gone forever. Only the user can delete their account. Normally we would be sad about the loss of post history. But in this case, nothing of value was lost.

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                        December 1, 2020 7:25 PM

                        So the traditional 'account banned' flag - duration perm? He must've been the the one to instigate the deletion.

                        So I have to ask, if he got cooked for making the cortex post, because that's kind of a loophole you left open. You could use common sense and say "hey, I shouldn't do this" but it was a loophole open and (possibly?) the first ban evasion of that type.

                        I'd say, personally, to give a single pass just once for that and close the loophole, losing an account forever sucks.
                        However he's gone and nuked his account anyhow, so whatever.
                        I do know, the classic "made a new account, through a VPN, hope they don't catch me" is the more original ban evasion thing you never do.


                        Sorry, perm bans still scar me from 15 years ago.

                        • reply
                          December 1, 2020 7:28 PM

                          Shacknews Cortex launched three weeks ago. It has a lot of bugs. He exploited one. In doing so, he evaded his ban. I don’t need to go into how many chances we gave him as a mod team, but that cortex article was the final straw.

                          We will fix the bug.

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                            December 1, 2020 7:31 PM

                            "We will fix the bug" lol.
                            Sounds like you're fixing Miltons paycheque.

                          • reply
                            December 2, 2020 10:35 AM

                            Mmm.... this was such a great opportunity to say "We fixed the glitch" ...but alas

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                  December 1, 2020 6:44 PM

                  Hahaha no, that fucking rules.

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                  December 1, 2020 6:49 PM

                  Please tell me you have screens

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                  December 1, 2020 7:00 PM

                  Bwahahah

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                December 1, 2020 7:13 PM

                That is fucked.

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            December 1, 2020 5:12 PM

            wait what? he and I are gonna have some words

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            December 1, 2020 5:25 PM

            uhh i am very pro shelter but go fuck yourself wishing harm or being an asshole to something in pain

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            December 1, 2020 5:55 PM

            Hahaha wtf

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            December 1, 2020 6:53 PM

            haha dude can get fucked.

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            December 2, 2020 2:23 AM

            What a load of shit!

    • reply
      December 1, 2020 7:33 PM

      Can you just go to another pet insurance co?

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      December 1, 2020 11:22 PM

      Buffy is a good kitty.

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      December 1, 2020 11:27 PM

      Fuuuuu I feel for you!! That sucks :(

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      December 2, 2020 12:42 AM

      Poor kitty =(

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