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Customer Reviews for PCF

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1/10   A big Fat Scam!
Took a month just to receive policy in the mail to find out they still needed me to have vet send records which I gave permission on the application. Got the records sent, had to call myself to make sure they received them and at that point was informed we already had exclusions due to us bringing our pup in for diarrhea which was cleared in a week since he just needed another dewormer. At a couple dollars shy of $60/mon, being a $700/yr policy plus deductable and already have exclusions over a common thing puppies get as they do eat things like grass etc. We cancelled right away and will just put that money aside ourselves for future possible vet costs for ailments etc. Unfortunately it still cost us a non-refundable month which is hardly fair when we were never covered in the first place. Biggest Scam Ever!!!!
Injury/Illness: None   Breed: Doberman
Claim Amount: under $100   Age of Pet: 1 - 8
Completely Unsatisfied, 8/8/2015
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3/10   Have to do their job for them.....
While the customer service folks on the phone are very sympathetic and nice, they don't have enough staff licensed for clients in Quebec, and follow-ups with the claims department are often forgotten or take too long. The claims themselves are processed within unreasonably long delays (a month or more) and they don't keep you up to date with the status (ie. missing document, signature, asking the vet for additional medical records, etc). I review every claim and keep notes on how they categorize every medication, treatment and illness and they very often make mistakes, miss items, or cover the wrong cat, so I need to call and have them review all the time otherwise I'd be missing money!
Injury/Illness: cancer renal (kidney) liver, pancreas, dental   Breed: Domestic Shorthair
Claim Amount: over $1000   Age of Pet: over 8 years
Stephanie, 12/23/2014
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5/10   In one word unhappy.
I have been a client with pc pet insurance for over 10 years. I a couple of claims two years ago and those claims were handled in a reasonable amount of time (I received my money from the claims within a couple of weeks). However I took my ill cat to the vet and had to file three claims within a couple days. It has taken three weeks for them to finally send me emails saying they are now reviewing two of my claims.
Injury/Illness: gastritis/vomiting enteritis/diarrhea   Breed: Domestic Shorthair
Claim Amount: over $1000   Age of Pet: over 8 years
Liana Fior, 10/27/2014
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10/10   Great coverage!
We have had PC insurance since our dog milo was a puppy. We have made several claims, for example when she ate something bad and needed overnight care, and had NO problems. The customer care center is very helpful. The premiums are very competitive rates. Highly recommended.
Injury/Illness: gastritis/vomiting   Breed: Beagle
Claim Amount: over $1000   Age of Pet: 1 - 8
Julia, 9/12/2014
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1/10   Claim and Wait and Wait and Wait
We have had two claims in two years and both times the wait has been horrid. The advertising says 5 to 7 business days for claims. I called them at 8 business days and they said that "due to a large number of claims the wait is now 12 business days." At 12 business days I called and was told 14 business days. At 16 business days our claim showed on the website as being held. I had to call to find out why it was held. They told me the vet did not sign the form - vet faxed in the claim, I did not get a copy. Called the vet and they immediately faxed in the form with signature. That was 7 business days ago. Two days ago the document telling us why it was held was posted to the web page. Still no payment. The primary service of an insurance company is a claim, not taking your money on time every month as seems to be the case. I could not in good conscience ever recommend a company that does not honor their commitments in a timely manner.
Injury/Illness: gastritis/vomiting   Breed: Bichon Frise
Claim Amount: $100 - $500   Age of Pet: 1 - 8
Ray, 9/11/2014
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9/10   Very pleased
We've had a few major claims including one for over $3,000 and one that happened out of country. We've never had a problem with them paying anything we were entitled too. When one of our dogs died due to an accident they paid to have him euthanized, part of his cremation costs and even paid us the $800 we paid for our dog (which in truth felt a little weird and we made a donation in his name with the money). Yes, when one of our dogs had a very expensive year, they did reduce our co-pay to 60% but the next year they put it back up to 80% without us every asking. When I was looking for insurance, two things were very important to me. 1. They would not cancel my pet's insurance regardless of the number of claims. 2. My monthly premiums would not increase because of claims. They were the only insurance company that had these two features. I completely understood increasing our co-pay and at least this was something that was in my control since I knew what to expect. But canceling my pets or raising the premiums was too risky for me. We just got another dog and did shop around to see what else is out there but still found PC to be the best for us.
Injury/Illness: neck   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: over 8 years
Mark, 7/3/2014
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1/10   If you want a small refund, PC is for you
I cannot recommend this company. Each time I had a claim, I received what I feel is a small portion back. After I would have a claim, the following year they would increase my insurance unilaterally saying it is like for a cost of living increase in your area. In addition, they would unilaterally reduce the percentage I would be given back based on any previous claim. If you animal was ill previously, my rates would go up and my percentage would decrease, not fair.
Injury/Illness: skin problem gastritis/vomiting   Breed: Vizsla
Claim Amount: over $1000   Age of Pet: 1 - 8
Frustrated in Vancouver, 6/20/2014
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1/10   Reduce coverage due to a claim 2 years ago
We bought this coverage for our dog when he was a puppy in 2009. We had 2 claims in 2012. They reduced our co-pay to 60% then after 6 months put it back up to 80%. We just received a letter stating they reviewed our file and we are now at 60% co-pay with no reduction in premium. Why would you penalize a client for making a claim 2 years. Insurance is suppose to be protection for the unexpected. We are extremely disappointed with PC Insurance.
Injury/Illness: renal (kidney)   Breed: Schnauzer
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
Antoinette, 12/3/2013
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Review PCF review policy

Review Title (if you could say it in one sentence, what would you say?)
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DO tell us specifics about your pet's illness or injury
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