Ok, well Max came in from the outside the other day with a rear leg in the air. He was just out for a little potty break (maybe 10 - 15 minutes). I checked his pad for any foreign objects and found none. I figure he will shake it off and maybe he just sprained it.
The next day he was still limping and I thought - nuts! Turns out he has a partial tear in his cruciate ligament. He screamed in pain when the vet streched his knee and had to be muzzled for the rest of the exam. I got some Rimadyl supply for 2 weeks and told to start giving him glucosaminel / chrondroritin daily. And after two weeks decide if I wanted the surgery, I was told this will only get worse and surgery is necessary. Well, my heart sunk. This is a VERY active dog like my last one, and he blew out both legs during his adult life.

I cannot see Max inmobile for weeks after the surgery, and then afraid it will happen again! Right now he is miserable as I am taking him out on a leash everyday - it is like he is at a kennel or apartment not being able to use the yard, it will be worse after the surgery! Well, one week later he is somewhat better, he asks normal outside like nothing is wrong, but you can tell he doesnt put too much weight on it indoors. If he continues to take the Rimadyl he will need consistant blood work for liver complications and it will not fix the condition - according to the vet.
So I have to do "something".
Well, it is benefit enrollment time at work, and we get a discount on VPI petinsurance through Metlife. My girlfriend's daughter works at the vet and has Max registered as her pet and gets good discounts on routine exams and such. She would get the surgery at about 1/2 price, instead of the charge of $1200 - $1300, she would (I mean me) pay $600 to $700. Which is cool. But it seems this pet insurance would be better - but I have read plenty of stories of denied claims based on pre-existing conditions, genetics, etc.
For about $24 a month (superior plan), they would pay up to 90% of the claim (up to $1200) and for the $12 a month (standard plan) they would pay up to 90% of the claim (up to $725), if the cruciate ligament was covered (it is on their benefit chart) - after a $50 deductiable. Of course, I would have to take Max to a new vet so this would be a "new" incident and no pre exisiting condition. I just wonder if this would work? And should I do the insurance in case this happens again so it would not be pre-existing. Or just take the daughter's discount and take my chances?!?
This is a tough call that I have to make quickly - a) max needs help, b) insurance wouldn't kick in until first of the year if I registered today, c) I dont know how long max can go in this current "state".

Only thing Max has on his record is a broken fibual which he got when at leader dog for the blind (which is the other leg and should have nothing to do with Cruciate ligament even if it was the same leg I am guessing). He is up to date on all this shots.
Any advice on the surgery and non-surgical options / opinions would be appreciate as well as advice and experience with pet insurance (specifically VPI) when it comes to this dog !
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For about $24 a month (superior plan), they would pay up to 90% of the claim (up to $1200) and ... vet so this would be a "new" incident and no pre exisiting condition. I just wonder if this would work?

it's called "insurance fraud" and it's illegal. If that doesn't bother you, consider this: you're very likely to get caught since a new vet will need records from your old vet (shots, etc) before any treatment.

Lynne
it's called "insurance fraud" and it's illegal. If that doesn't bother you, consider this: you're very likely to get caught since a new vet will need records from your old vet (shots, etc) before any treatment.

keep in mind also, that this is a public, archive forum.

Janet Boss
www.bestfriendsdogobedience.com
Go with the option of having it fixed for the 1/2 price. The pet insurance usually will not insure you after major surgery anyway. Also the fraud is a big issue and you could end up with a whole lot more problems than how to pay for this surgery.
My suggestion is get his done and start putting money back for when the other one blows. You already know from past experience what to expect. Most dogs who blow out one knee end up doing it to the other at some future date. Also even withthe repair you could be looking at some long term pain management depending upon arthritic he gets. Some dog's don't get much and others do.
Celeste
it's called "insurance fraud" and it's illegal. If that doesn't ... records from your old vet (shots, etc) before any treatment.

keep in mind also, that this is a public, archive forum.

And that his dog is suffering while he's busy trying to figure out how to cheat an insurance company out of less than $500 by the time the fees have been paid and the deductible covered.
If it was my dog, he be getting the discounted surgery NOW and I'd be grateful as hell for the benefit of half price relief for my dog.

Tara
Any advice on the surgery and non-surgical options / opinions would beappreciate as well as advice and experience with pet insurance (specifically VPI) when it comes to this dog !

==
I am sorry about what happened to your dog. This is exactly the reason I carry VPI pet insurance for my dog. Tears to the cruciate ligament are common among rotties, so even though I have never had that problem with either one of my rotties, I want to be prepared if it does happen. I do have the superior plan for more coverage. VPI will not cover your dog's pre-existing condition, and no matter what vet you take your dog to, VPI requests all paperwork for all of your dog's vet care since you first got the dog. The paperwork has to be signed by each vet that performed each procedure. The discounted vet sounds good to me; I would take advantage of that plan.
Thanks for the positive and the other comments.
BY NO MEANS was I trying to create "insurance fraud" - I DONT EVEN HAVE INSURANCE. I would get it (the insurance) in case for the fact that this may be a "on going" problem. After one week of rest - Max is doing good, who ACTUALLY knows that this ACL is "parital torn". I dont know that ... that is why I considered the insurance.
This is not the tone I was trying to set and I was attacked with legalliaty issues after my own comments.
That kind of hurt me, thinking that some of you thought I would do this. I understand my wording my have been off or misinteruppted. But the point is - I dont know what is wrong yet. This is one vets diagnosis and recommendation, yet I didnt want it to affect my opportunity to get insurance if it would help me - not screw them.
I am not sure of all of this. So I thought I would post.
That kind of hurt me, thinking that some of you thought I would do this. I understand my wording ... I didnt want it to affect my opportunity to get insurance if it would help me - not screw them.

The bottom line is that whatever the injury is, it already happened before you signed up for the insurance. It is not a preexisting diagnosis that matters, it is the preexisting condition of the dog, in this case having to do with whatever condition he is in after an injury. So if you signed up for the insurance and then tried to get this injury covered when they don't cover pre-existing conditions, you would have to commit fraud to do so. So if you would not commit fraud, the insurance option is out. Get the half price surgery as soon as possible and know that is the best you can do.

Paula
"Anyway, other people are weird, but sometimes they have candy, so it's best to try to get along with them." Joe Bay
That kind of hurt me, thinking that some of you thought I would do this. I understand my wording ... help me - not screw them. I am not sure of all of this. So I thought I would post.

It's difficult to understand all that stuff, but I think the point was, in case you didn't realize it, your idea could have been fraud, even if that wasn't your intention. So I didn' think it was an attack, but a warning. It would be terrible to unintentionally break the law because the results are the same.
And I forgot - was it the big guy or the little fella that got hurt? I'm sorry to hear about it and hope you can get him fixed up soon.
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