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The questions readers keep asking about the products our team has assessed. Answers come from the Dr Murphies readership first, then a registered veterinarian closes the thread.
50 questions · 159 answers · updated weekly
- ▲214
kelpiedad_92 · 2 dogs, 1 chaos gremlin · 3 days ago
yes and no. mine had a single soft tissue note from a puppy visit and the underwriter flagged the limb, not the whole dog. i sent through the recheck notes showing it resolved in 10 days with no recurrence and they lifted it after the curable window. push back with paperwork, don't just accept the first exclusion letter.
▲88themagpiehouse · 2 days ago
ours stayed excluded honestly. worth knowing before you pay 12 months of premiums expecting cruciate cover. read the exclusion schedule the day it arrives, not when you claim.
▲341vetnurse_on_nights · vet nurse, 11 yrs · 2 days ago
from the clinic side: what kills claims is vague notes. if the vet wrote 'lame, cause unknown' it hangs around. ask your clinic to add a resolution note to the record. takes them 2 mins and it changes what the insurer sees.
Dr Murphies response
Dr Elise Murphy BVSc · Editor in chief
A single documented lameness usually creates a limb-specific exclusion rather than a whole-dog one, and most curable conditions can be reviewed after a symptom-free period (commonly 12 to 18 months). Two things decide the outcome: the wording in the clinical record, and whether you submit the resolution note. Ask your clinic for a written recheck summary before you apply, not after. We break the exclusion mechanics down in our full assessment.
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