We have a basenji who some surgeries in the past. The first time, the claim was paid without a problem.
The second surgery they denied and we had to fight tooth and nail to get paid. The 3rd surgery, which was different (for his eyes) was refused even though ever code was covered under the benefit book. For almost ten years, we have paid $40.00 a month for our dogs insurance; yet when we need to use the policy they refused to pay.
I think that this is close to fraud and plan on reporting VPI to the Better Business Burea and other appropriate agencies. Because our dog has a pre-existing condition, we are stuck with VPI but I would recommend others to find another insurance company