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I used to be a pet insurance advocate. NOT ANYMORE!
I purchased pet insurance FROM PC PET INSURANCE in Apr of 09.
I purchased the Value Plan, which covered “select illness’s” up to $2000.00 over the dog’s lifetime and $2000.00 for accidents over the lifetime.
The difference between the value plan and the accident plan is that it covers “select illness’s” as well as accidents… The choice plan covers “all illness’s” and $2500.00 yearly.
I chose the value plan because it was all I could really afford and yet they increased my premiums on three seperate occasions.
I was under the impression that my dog’s tests/visits would be covered but if his illness was not on the list of “select illness’s” then his treatment would NOT be covered.
**granted this was my impression only.
**READ THE FINE PRINT PEOPLE**
Recently, I had to take my dog to the vet because he was sick. The vet preformed numerous tests and numerous re-checks, blood tests an ultrasound and another procedure. It was determined that he has an illness NOT covered by my insurance. His treatment is Chemotherapy medication.
I did not claim the medication.
I did claim the vet costs associated with determining the diagnosis. Not once during my dog’s visits did I even once think my bills would not be covered. I trusted ths company with my money and I borrowed the $700 in bills from my retired father who is on a fixed income because the thought that my claims would be denied was not even considered.
I totally put my trust in this company and I feel sick that they won’t pay a single dollar. I’m still totally confused as to how my visits aren’t covered because of the diagnosis…. It makes no sense to me. Treatment, yes, OK, sure, but the visits??? I’m sick.
I called to get some resolution and the agent would not even explain the rationale behind the decision. He just kept telling me over and over about the approved illness’s. I asked to speak with someone else. He informed me another agent would review my claim and then return my call. It was not 5 minutes before my phone rang.
No to resolution. She tried to sell me more insurance.
Buyer Beware! If I had have banked $30/mos since Apr of 09 I’d have been able to pay for my pets care AND have money left over.
Now I not only have to eat what I already gave them, I have to still pay for my pets care!
If you are considering purchasing insurance for your pet, read the fine print. Do not make assumptions. Insurance companies are in it to make money, not to protect your pet.
Keep that in mind and read the fine print.