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View Full Version : Petcare Pet Insurance - negative experience


Gina
October 27th 03, 10:59 PM
There have been several threads regarding Pet Insurance and whether it
is worth it to purchase or not. I have recently had a very negative
experience with PetCare Pet Insurance (petcareinsurace.com). I
purchased the senior plan for my Pomeranian and paid the monthly
premiums. When my dog became ill with cancer and I submitted my
claims for nearly $1,000, the insurance company refused to honor the
covered peril. They changed their reasons several times for refusing
to honor my policy. Initially they stated that it was a pre-existing
condition. When my veterinarian sent all records stating otherwise,
they said if he was definately diagnosed, they would pay. Well guess
what, they never paid, the only check I received was for the
euthanasia that was eventually necessary ($30). I submitted several
letters and they were very rude in return. I do not recommend this
company to anybody that is considering Pet Insurance. I do not feel
that they are a legitimate company. I submitted compliants to the
Better Business Bureau, the Insurance Commision, the Attorney
General's office and I also consulted with my legal plan. All felt I
had a good case but I eventually did not pursue legal action because
of the costs involved. It was a learning lesson and a waste of money
to pay the premiums. I would have paid less without the insurance.
Thank you for listening to my frustration, I feel better after venting
and if I can help others from experiencing what I went through, great!

Kaylea
October 31st 03, 05:50 AM
Find out the company's officers etc. and sue them in small claims court in
your state. Then call People's Court or Judge Judy or any one of numerous
small claims shows. Maybe one of them will give you national coverage.
Just make sure you have all the evidence against the company and you might
just win in small claims court. Most states have a limited liability like
$3000 but wouldn't the exposure be worth the filing fee. You can get the
fee back later in court.


"Gina" > wrote in message
om...
> There have been several threads regarding Pet Insurance and whether it
> is worth it to purchase or not. I have recently had a very negative
> experience with PetCare Pet Insurance (petcareinsurace.com). I
> purchased the senior plan for my Pomeranian and paid the monthly
> premiums. When my dog became ill with cancer and I submitted my
> claims for nearly $1,000, the insurance company refused to honor the
> covered peril. They changed their reasons several times for refusing
> to honor my policy. Initially they stated that it was a pre-existing
> condition. When my veterinarian sent all records stating otherwise,
> they said if he was definately diagnosed, they would pay. Well guess
> what, they never paid, the only check I received was for the
> euthanasia that was eventually necessary ($30). I submitted several
> letters and they were very rude in return. I do not recommend this
> company to anybody that is considering Pet Insurance. I do not feel
> that they are a legitimate company. I submitted compliants to the
> Better Business Bureau, the Insurance Commision, the Attorney
> General's office and I also consulted with my legal plan. All felt I
> had a good case but I eventually did not pursue legal action because
> of the costs involved. It was a learning lesson and a waste of money
> to pay the premiums. I would have paid less without the insurance.
> Thank you for listening to my frustration, I feel better after venting
> and if I can help others from experiencing what I went through, great!

Kaylea
October 31st 03, 05:50 AM
Find out the company's officers etc. and sue them in small claims court in
your state. Then call People's Court or Judge Judy or any one of numerous
small claims shows. Maybe one of them will give you national coverage.
Just make sure you have all the evidence against the company and you might
just win in small claims court. Most states have a limited liability like
$3000 but wouldn't the exposure be worth the filing fee. You can get the
fee back later in court.


"Gina" > wrote in message
om...
> There have been several threads regarding Pet Insurance and whether it
> is worth it to purchase or not. I have recently had a very negative
> experience with PetCare Pet Insurance (petcareinsurace.com). I
> purchased the senior plan for my Pomeranian and paid the monthly
> premiums. When my dog became ill with cancer and I submitted my
> claims for nearly $1,000, the insurance company refused to honor the
> covered peril. They changed their reasons several times for refusing
> to honor my policy. Initially they stated that it was a pre-existing
> condition. When my veterinarian sent all records stating otherwise,
> they said if he was definately diagnosed, they would pay. Well guess
> what, they never paid, the only check I received was for the
> euthanasia that was eventually necessary ($30). I submitted several
> letters and they were very rude in return. I do not recommend this
> company to anybody that is considering Pet Insurance. I do not feel
> that they are a legitimate company. I submitted compliants to the
> Better Business Bureau, the Insurance Commision, the Attorney
> General's office and I also consulted with my legal plan. All felt I
> had a good case but I eventually did not pursue legal action because
> of the costs involved. It was a learning lesson and a waste of money
> to pay the premiums. I would have paid less without the insurance.
> Thank you for listening to my frustration, I feel better after venting
> and if I can help others from experiencing what I went through, great!