They paid for ultrasound, urine tests, blood work-up…I can’t remember all the tests. I believe the vet put down on their insurance form that they were trying to rule out a bladder infection or possible cyst in the bladder.

So when I got reimbursed, there was a note from the insurance company saying they were reimbursing me for the diagnostic tests, but they would not be able to pay out any more until a definitive diagnosis was made.

After the 2nd visit, I didn’t attempt to get reimbursement, because I think at that point, they did a needle aspiration of the bladder. At the 3rd visit, it was concluded that she had a bladder infection so that’s what the doctor put down on the insurance form. I got reimbursed for the 2nd and 3rd visits.

Perhaps it’s because they mentioned trying to rule out one versus the other? My mind is fuzzy on it. I hope this does help a little.

Welcome back. I am just curious, the insurance company paid for diagnostics without knowing if something was wrong? And also, did you take in your kitty and your veterinarian agreed with you that they needed tests or was it more of a, as diyaroopa puts it, an over protective pawparent? I’m just trying to get a sense of other people’s experiences in getting diagnostics paid.

I appreciated that they paid the 1st visit because that was definitely the most expensive.

Typically insurance companies will cover diagnostic test ONLY when something turns out wrong. If someone is an overprotective/paranoid pet owner who takes their pet in every time they think something might be wrong, pet insurance will not cover that. My best guess at that point would be to go by what your veterinarian recommends. Most companies will listen, and pay out, according to your vet’s recommendations, even if there was possibly nothing wrong. But as a rule of thumb, pet insurance won’t pay for over-protective pet owners :-/

Hey Lee,

Watch who you’re pointing fingers at. This blog is meant to be informational, not slandering. If you disagree with me, that’s fine. But the fact is, ASPCA is filed with each state’s department of insurance, making them required to follow the state’s rules. They are also required to file all of their rates and rules and be approved by each state. And these documents are actually public property. So, unless you have read these documents and fully understand them, then I stand by my statement that you purchased the insurance without fully understanding the policy.

But, perhaps you failed to read the last sentence under number 9 “Now, true, there are some companies that try to take advantage of the unknowing customer…”
I know that these types of companies exist, which is exactly why I’m telling everyone to make sure that they are really looking into companies and researching them BEFORE they get the insurance, instead of after when they go to make a claim and are turned down. But, like I said, feel free to disagree with me.