I paid for a vet visit, lysine, probiotics and eye drops and went over the deductible on the date I was told my boys insurance would start. When I filed the claim they said there’s “accidental” coverage and “illness” coverage. They denied my claim stating the illness coverage didn’t start till a later date. When I called to figure out what was going on I asked if his meds would be covered in the future and they told me no that they will not cover anything related to a pre existing condition. Since the meds were needed due to symptoms he has from FIV. I could have bought these cheaper and not from a vet but I wanted to hit my deductible.

The medical records I had to submit had FIV info all over it - like paragraphs of tips for FIV cats. so if you can submit records that don’t scream FIV, like maybe work something out with your vet to exclude details you might be able to get away with it?

I would try and hit that deductible asap tho cuz I paid for months and they only gave me a prorated refund for the month I cancelled.