Cherry Eye Coverage and Considerations for Chow
It is wonderful to hear that 10-year-old Chow is doing well. Cherry eye—a prolapse of the third eyelid gland—is a condition that can affect many breeds. Whether your insurance will cover the surgical repair typically depends on the specific policy terms regarding pre-existing conditions.
Will Insurance Cover It?
- Pre-Existing Conditions: Most pet insurance providers in the United States, including those operating in Florida, exclude conditions that showed clinical signs before the policy was purchased or during any applicable waiting period. If Chow has not had previous veterinary notes regarding eye issues, it may be considered a new condition.
- Waiting Periods: New policies usually have a waiting period (often 14 days for illnesses) before coverage for conditions like cherry eye begins.
- Policy Specifics: Because Chow is a senior dog at 10+ years of age, you should review your specific "Declarations Page" or contact your provider directly to confirm if breed-specific conditions are included under your current level of coverage.
What to Consider for a Senior Chow Chow
Given that Chow is a senior dog, your veterinarian will prioritize a thorough assessment before any surgical procedure:
- Pre-Anesthetic Blood Work: Because Chow is 10 years old, your vet will likely want to check his kidney and liver values to ensure he is a good candidate for anesthesia.
- Specialist Consultation: You may want to ask your local veterinarian in Naples if they recommend a board-certified veterinary ophthalmologist. Specialized care is often preferred to ensure the gland is tacked back into place correctly while preserving tear production.
- Local Climate: Florida's heat and humidity can sometimes exacerbate ocular irritation. Ensure Chow has a cool, comfortable environment while awaiting any treatment to keep him comfortable.
Always verify your coverage directly with your insurance company, as they are the only entity that can provide a binding answer based on your specific enrollment history. Wishing you and Chow all the best as you navigate his eye care needs!