Claims, Denials & Policy Exclusions

The Ticking Clock Nobody Warns You About When you realize your French Bulldog or Pug is struggling to breathe, your first instinct is to panic. Your second instinct is to immediately go online and buy pet insurance so you aren’t stuck with a $6,000 surgical bill. But when I talk to devastated pet owners whose

If you own a French Bulldog, Pug, or Boston Terrier, Brachycephalic Obstructive Airway Syndrome (BOAS) isn’t just a possibility—it is a statistical probability. Corrective airway surgery is often the only way to give these dogs a comfortable life, but the procedure comes with a staggering price tag of $3,000 to $6,000. When owners file a

If you own a French Bulldog, Pug, or English Bulldog, the letters “B-O-A-S” are the scariest acronym in the dictionary. Brachycephalic Obstructive Airway Syndrome (BOAS) is the medical term for why your dog snores, snorts, and struggles to breathe in the heat. Corrective surgery (widening the nostrils and shortening the soft palate) is often life-saving.

The “Mirror” Rule You Didn’t See Coming Most pet owners understand the “Bilateral Exclusion” when it comes to knees. But here is the question that is costing Frenchie owners thousands of dollars: Does this rule apply to their nose? Brachycephalic Obstructive Airway Syndrome (BOAS) often involves Stenotic Nares (pinched nostrils). Since your dog has two

The “Mirror” Rule You Didn’t Know About Imagine this: Your Frenchie, Bruno, had a minor “Cherry Eye” surgery on his left eye when he was a puppy, before you bought insurance. It cost $500, and you paid cash. No big deal, right? Two years later, you have insurance. Suddenly, his right eye develops Cherry Eye.

The $5,000 Snore: Why “Cute” Can Cost You If you own a Frenchie or a Pug, you know the sound. It’s that snort, grunt, or snore that happens when they get excited or fall asleep. To most owners, it’s a badge of honor—part of the breed’s goofy charm. But to an insurance adjuster, that sound