Petsy extended a pre-existing condition that I didn't ask to be reviewed

Charbel91 on 06/05/2025 - 10:35

As the title. I requested a pre-existing condition back in February of this year. I chose the two things that i wanted to be reviewed. Almost two months later (last night) I received an email saying that one of the other conditions that I didn't ask to be reviewed has been extended until November 2026. I specifically stated which ones i wanted to be reviewed. Are they allowed to do this? For context; I have a young dog with an issue with her gallbladder. We discovered it when she was around one year and seven months. From then we have did two ultrasounds a year with my regular vet. He took her off the medication. Last year I got second opinion with a specialist. He put her back on the meds and last year in November we did a second u/s with him. the contents have lessened by 50%. The original date of when I was able to get it reviewed was on 20/07/2025 and now it's 01/11/2026.

The two conditions that I did ask to be reviewed

Anal Gland Disorders
Polyuria (and related conditions, including excessive licking of the vulva)

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Comments

  • MS Paint on 06/05/2025 - 10:40
    +1

    For those wondering, like myself, petsy is a pet insurance company.

    To satisfy my curiosity what is the breed? (If you don't mind sharing)

    licking of the vulva

    Both of my female dogs do this after a wee. What is deemed excessive?

    • pegaxs on 06/05/2025 - 11:06
      +10

      What is deemed excessive?

      Asking for a friend?

      • Jimothy Wongingtons on 06/05/2025 - 11:39
        +8

        me: walking backwards out of the room slowly

        • Protractor on 06/05/2025 - 12:52

          I see you baby, shakin' that……

    • Charbel91 on 06/05/2025 - 12:49

      I guess to them licking after a wee would be a medical issue. I'm guessing a UTI? Stones.

      • Protractor on 06/05/2025 - 12:52
        +2

        Possibly but not definitively. A UTI should show up in a urine test. By now you's have done that,no?

        • Charbel91 on 06/05/2025 - 14:52

          Yes,of course we have. Quite a few times. We also do blood tests twice a year and ultrasounds. So let's pretend that it was her organs,we would know about it,no?

          this is what the specialist said.

          Sonographically normal abdomen

          .Abdominal ultrasound found no significant abnormalities.Compared to the previous ultrasound, the amount of debris within the gall bladder has approximately halved, to now be only asubjectively small amount, suggesting a good response to the ursodeoxycholic acid therapy. With there still being some debris,continuing this treatment is recommended.

      • MS Paint on 06/05/2025 - 13:56

        Every female dog I've ever had has done this. It's not unusual. I'm just wondering what was deemed excessive. My dogs have been typically no more than a few minutes.

        Female dogs lick their vulva after urination primarily for grooming and cleaning, particularly to remove urine residue and prevent potential infections. This behavior is normal and part of their natural hygiene practices.

        • Charbel91 on 06/05/2025 - 14:54

          Yes,that's right. Nothing abnormal with her urinary habits. That was removed from the policy.

        • Protractor on 06/05/2025 - 14:54

          Same. Maybe OPs dog is OCD

      • Muppet Detector on 06/05/2025 - 20:25

        Not just a weird kind of behaviour? If humans do that it's classified as a fetish.

  • swamp potato on 06/05/2025 - 12:06
    +1

    I’m really confused on what you mean by “review” or what your complaint is?

    And when did you begin the insurance policy for your dog?

    • freefall101 on 06/05/2025 - 12:40

      Basically if it's a pre-existing condition that's considered "curable", you can get it reviewed later down the track to get it removed from the pre-existing condition list on the insurance policy. The review date is the soonest you can have your pet reviewed to remove it.

      The thing is, it doesn't work the other way around. If it's anything like my pet insurance (for my pet, I am not the pet), they can basically define "pre-existing" whenever they want and set the exclusion periods however they want. Since they did an examination of Mrs Pooch and found the gallbladder condition still exists and is being treated, they extended out the period until it can be reviewed out to Nov 2026.

      OP is annoyed at that, because it seems they were hoping the current treatment would work and they could get the condition removed as pre-existing in July, then inevitably when it came back it would be covered under insurance.

      • Charbel91 on 06/05/2025 - 12:45

        OP is annoyed at that, because it seems they were hoping the current treatment would work and they could get the condition removed as pre-existing in July, then inevitably when it came back it would be covered under insurance.

        July is when I could get it reviewed,yes. However,I was planning on getting the ultrasound in November and seeing if it has gotten better and if it had,i would have asked for a review.

        Like I said I didn't ask them to review that because i know i wouldn't be able to do that until July. They just threw that in and extended it.

  • jugsy on 06/05/2025 - 12:29
    +1

    Not really following, but if you disclosed pre-existing conditions, it's probably up to them to decide when and how they'll cover them. Read the policy

    • Charbel91 on 06/05/2025 - 12:50

      I asked them to review two things. They go ahead and decide to extend another pre-existing condition. I never asked them to review that because i know I wouldn't be able to get it to reviewed until July.

  • freefall101 on 06/05/2025 - 12:32
    +1

    The details you decided to include and the ones you decided to leave out are simply fascinating. There was zero need to give your dog's medical history to explain the problem, but here I am, thinking about anal gland disorders.

    Anyway, did you read your policy and ask Petsy? I would assume that since your dog is still on medication that any pre-existing condition exclusion would take a while to be resolved as "cured", much longer than 2 months from now if they dog is still on medication.

    • Charbel91 on 06/05/2025 - 12:48

      Nah,I understand it wouldn't be cured straight away. She has been on the medication since February of last year. we did the second ultrasound in November of last year. The contents have lessened by 50%.

      They extended this until next year even though i didn't ask them to review her gallbladder issue. I asked them to review the other two issues listed on my policy. I would understand if they had extended it due to me asking them to review it,but I didn't.

      • freefall101 on 06/05/2025 - 12:54

        From a quick look at the PDS

        The completion of a Pre-existing Symptoms and Conditions Assessment does not override the Pre-existing Symptoms and Conditions definition or remove the General Exclusion relating to Pre-existing Symptoms and Conditions.
        This is because Our assessment can only be completed based on what We have been able to obtain and review, and receipt of missing medical history and/or additional information in the future may change the outcome of the assessment

        That "additional information in the future" is the bit that screwed you. They found out your pet is still being treated so they changed the assessment. Which seems to be within their rights.

        I'd be as annoyed as you are, but I see no reason they can't do it. And they're an insurance company, screwing people is what they do best.

        • Charbel91 on 06/05/2025 - 13:34

          Thank you,sexy. Disappointed but not surprised 😵‍💫😵‍💫

  • Protractor on 06/05/2025 - 12:50
    +2

    How unlike an insurance company.

    Seriously dog genetics aside I'd be reviewing the dogs diet and lifestyle.
    Look into slowly changing the diet to a more natural healthy one if you're using commercial food.
    The excess licking might be a developed habit, even an anxiety issue. Give it a distraction.

    What breed? What dog food are you using, how long is the dog spending alone, and in what circumstances?

  • Charbel91 on 06/05/2025 - 13:55

    I was going natural since 2023. I had contacted Greenpet. I was adding supplements to wet food but last year is when I went raw with her. I was adding Turkey Tail Mushroom,DigestaVite Plus,a tonic for her gallbladder. I was doing something wrong back then because it didn't help.

    These days; I give her raw sardines three times a week. I add Augustine Approved Detox to her raw food. I do think going raw+ the medication helped lessened the contents.

    The licking was happening when she was having issues with her anal glands. That was issue was fixed with the DigestaVite Plus. However,they haven't been needed to be expressed in over a year and the raw bones in her food help it.

    She's a staffy x Chihuahua. Walked twice a day. She is a spoilt little betch. I take care of her better than i take care of myself

    • Protractor on 06/05/2025 - 14:59

      Try sweet potatoes as well (re; anal glands) Best 'commercial' dog food we have tried is Ivory Coat. It jsut works. (Vouching for the Lamb & Sardine adult dog) Dogs gleaming,alert and healthy stools, no excess flatulence etc)
      Spoilt is at the better end of the scale,believe me.

  • joka on 06/05/2025 - 14:02
    -2

    Just put her down, problem solved.

  • Charbel91 on 06/05/2025 - 14:59

    If anyone is curious about her gallbladder. Here it is. https://imgur.com/a/mP07okW

    There is not much content inside.

    • Protractor on 06/05/2025 - 15:01
      +1

      Careful, Joka Lecter up yonder^ has a fresh bottle chianti in his mitt

  • Muppet Detector on 06/05/2025 - 20:45

    Trying to clarify:

    Did pup get all these health issues before you got pet insurance?

    If so, good that you may be able to eventually have them covered.

    Seems a lot though? Did vet say why?

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