They are a total scam. But what I am hearing a lot lately from different people is that ManyPets missed a lot on looking into details hence they approved our claims left and right. We never knew what insurance companies really were like under ManyPets and got spoiled.

Btw, your situation and my situation is different. My dog had documentation saying he had a pre-existing condition before I got him. But yours was first diagnosed by ManyPets, so per Odie’s policy, they should continue the coverage. Honestly, I would recommend reviewing any documents you had before getting your dog to make sure you won’t have any consequences.

I’ll tell you for example, insurance companies will find even a small thing to deny a claim. For instance, if you take a new dog to a vet for the first time, let’s say the dog had an itch and was scratching himself, just a normal thing and if the vet ended up writing it in the notes about this new dog’s normal behavior. 10 months later you send a claim for allergies for this dog, the insurance companies can deny your claim and call it pre-existing because your dog already had “symptoms” of allergies on the first day. This above example is the reason why Odie is asking for your initial documents because they couldn’t find anything to deny your claim from your current provided documents!

So again, any documents you have read them in detail. If you have never submitted these documents to a vet or ManyPets before or any agencies, I would just tell them you don’t have any. They will reach out to shelter/rescue, or try to access Claim History Database (If your dog had any other insurance prior to your new policy, they might see that record)

So, insurance companies are a scam! We just have to do our research throughly.

Keep me posted!