User Reviews of Petplan
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Rating: 3
Recommend: N |
not at all what i expected
i have been with petplan for 3 years...every year my deductable increase...i have the champion plan and am paying approx. $96.oo per month...now that tell me that my claims will not be processed at 80% but at 60%....because i have put in to many claims...which i really do not agree with..but you can not argue with them...your always the loser. someone at petplan customer service told me the problem is not the amount of the claims....but how often you sumbit...they said i should consolidate the claims and send them in all at once...therefore it is less claims that i am submitting...this way my insurance would not have gone from 80 to 60 percent on payback... |
Reviewed by: helen k
Date: 5/8/2008 |
Rating: 4
Recommend: N |
coverage decrease, deductables increase!
Just wanted to share a story of my former greyhound who had to be put down due to renal failure. The insurance was helpful in helping me pay for the costs initialy however they had decided I was making too many claim and limited my co-insurance from 80% down to about 50% by the time we had to put her down - any pet with a chronic illness is going to result in more claims being filed, how is this fair?... Please read the policy wording carefuly...
This is straight from the policy wording online:
Claims Risk Management: We share with You in the financial risk of providing for Your Pet's health. As with other forms of insurance, Coverage and premium
are subject to individual adjustments according to the level of risk demonstrated by ongoing claims activity. To monitor this, We conduct a semi-annual analysis
as part of Our claims risk management process. This is used to identify if your insured pet is in the top of our policyholders in terms of claims frequency and
costs over the past 24 months. The result of this will be an adjustment to the percentage of the claim You are responsible for (Co-Insurance) on future claims.
This allows Us to protect the majority of Policyholders with normal claims experience from having to offset the extra expense. This process does not increase
Your premiums, and is therefore only applicable if You have future claims. Adjustments are reassessed semi-annually and You may qualify to
return to Your regular level of Coverage. |
Reviewed by: Andy
Date: 4/16/2008 |
Rating: 10
Recommend: Y |
Awesome
They actually cover things that petcare and vetinsurance dont. i was with petcare and they told me that they would cover so many problems but when it boiled down to it..... they dont cover anything hereditary and then i ended it and heard of vet insurance and i even asked my vet if it was a good idea. she said and i quote 'hell no' she recommended petplan to me because they cover much more. so i thought i would give it a shot. my puppy ended up geting gastric torson and it ended up costing me an arm and a leg but petplan gave me my limbs back so theyre awesome |
Reviewed by: private
Date: 4/16/2008 |
Rating: 9
Recommend: Y |
Petplan continues to cover my dog
I see others have not been so happy with their experience with Petplan. I have had Petplan on my Terrier/Shepherd crossbreed for 3 years. I had to claim last fall for the first time when my dog caught an infection called "blasto" at the cottage. The pills were over $400 and had to be taken for months! My first claim was paid within a week I believe. After that, I continued to get my refund back just as quickly. As far as I'm concerned, Petplan is worth the money. |
Reviewed by: Jeff Scott
Date: 3/10/2008 |
Rating: 1
Recommend: N |
Complete Rip off and BS
here is the math. Every year your premium increases. they say it won't increase based on pets age.. however they increase it becuase apparently ... get this.. vets increase their bills every year.
so lets start here. I pay 36.00 a month for my 12 year old beagle cross. that is 432,00 per year.. this year. it will go up again.
Now I also have a 500.00 deductible. Now they also state that my coverage is for 2000.00 on my pet. so lets break it down.
My dog needs some treatment that the vet charges me 627.02 for. The first 500 is my deductable.. then they claim co - insurance (20%) off the top. claiming I should be responsible for that portion of the claim. 125.41(they round up).
so.... 627.02 - 125.41 - 500.00 = CHACHING... $1.61 being paid out on the claim. YEAH 1.61. so really if i had saved the 432.00 i paid for the coverage.....
if if you break it down from the maximum amount they will pay out.. ($2000.00) you would have to incurr 3125.00 in vet bills + 432.00 (premiums) bringing your total spent 3557.00...
bottom line.. unless you are willing to really spend on your dog.. not inclidng teeth, shots, worming etc.. the standard stuff. petplan really is expensive and not really worth it.
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Reviewed by: mac m
Date: 2/27/2008 |
Rating: 1
Recommend: N |
Unfair and inconsistent
I have 2 dogs. last year Petplan did a pre-policy for one who has Lipoma. They had “Tumours, cancers and associated conditions” as an exclusion.. I was concerned because lipoma is only a subset of tumour. So, they attached a letter stating they'll review claims submitted to determine if they're related to the existing Lipoma. This was fair. This year, for my other dog, in her history she had “arthritic changes on her spine” long ago. Even though my dog has been increasingly active for the past YEAR after hypothyroid treatment (so “arthritis” didn't actually affect her but was a coincidental finding, as the Vet says), and she has no symptoms of arthritis, the underwriter refused to speak to my Vet to get the information, or to include a letter like before. They insisted on Arthritis as an exclusion. They told Customer Service they've spoken to my Vet 4 times, but if they did, my Vet would have remembered. Their Customer Service sounded so helpful and friendly and agreed on everything, but they have no idea what's really going on and they have no authority to make any decisions; they always asked me to speak to my Vet; I did, but in the end, they just said that they understood but there's nothing they could do. They think Underwriters POSSIBLY have spoken to my vet, although they saw no record of the conversation. But they couldn’t find out because the Underwriters said they did! For God’s sakes – and this was their CS Supervisor! The Underwriters are of course totally unapproachable. They're in the clouds somewhere, you can never speak to them directly but they make all the decisions!!! With companies like this, you'd feel your voice never get heard. I've emailed them again and again, and they keep emailing me back with the same exclusion with absolutely no explanations why they treated the same kind of problem one way (fairly) a year ago and another way this year. The worst is the Bureaucracy. Beware, don't get sucked in. |
Reviewed by: Grace C
Date: 1/4/2008 |
Rating: 2
Recommend: N |
Read the Fine Print
Firstly, having pet insurance is a good thing! When my cat was diagnosed with diabetes, I was glad I had been paying $15/month (approx) over the past 5 years to cover all the blood and urine tests that would be required to figure out exactly how much insuline she required. Howver READ THE FINE PRINT! Petplan Canada (my insurer) sent me a notice 3 months after I started to make regular claims, stating that as I was in the top 8% of claimants for the year, they were going to drop my coverage from 80% to 70%.
Now 8 months further, I have just received another (oh so) polite notice to inform me that I am being further reduced to 60% coverage.
Excuse the cheekiness of this review, however do shop around! Ask which insurer has the best claims record - they may not be the cheapest but perhaps they wouldn't be dropping my coverage now that I finally need their help. |
Reviewed by: S.Y.
Date: 11/30/2007 |
Rating: 1
Recommend: N |
Worst Experience of My Life!
At first the sales reps. seem so friendly, accommodating, and concerned. But as soon as you start questioning important issues they’re no where to be found. I got a policy for my cat from them and I discussed all my concerns over the phone with them for hours and believed that I had reached an agreement with them. Two weeks later when I finally got all the documents in the mail, the contract looked nothing like I had discussed with them before. Out of honesty I had told them that my cat had a urinary tract infection a while ago and I specifically asked if this is going to be treated as a pre-existing condition in which case there will be no coverage for urinary tract infection at any point during my cat’s life. The rep insured me that urinary tract infection is quite common among male cats and is not considered a pre existing condition. Then he explained to me that a pre-existing condition includes illnesses such as cancer or diabetes which are long term conditions that are not curable. Then I asked so if my cat gets sick with urinary tract infection a month from now will it be covered? And he assured me that it would. Once I got the contract, urinary tract infection was listed under a pre-existing condition which I had agreed to apparently. I called Petplan five times and no one even bothered to call me back. Finally when I called to cancel, the supervisor attempted to resolve the issue. I told him that my conversation with their rep was recorded and he can easily find the recording and see that what I had agreed to is not on the contract. He said that he had listened to the recording and I was right but the rep didn’t know all the details and he’s new and therefore it was just a mistake on his part. When I asked him to remove the pre existing condition he refused to do it and said call again in six months and if your can hadn’t had a urinary tract infection by then maybe we review your case again. Six months! So many things could happen in six months I said. He said there’s nothing else he could do. I warn you, if you want to get pet insurance DO NOT buy it from Petplan. What they’re doing is illegal. The contracts that they provide are false and unilateral. They said it takes twenty days before I can make any claims. Even though I cancelled before the twenty day trial they’re still going to charge me. They’re thieves who don’t run an honest business. |
Reviewed by: Sunny
Date: 11/19/2007 |
Rating: 9
Recommend: Y |
Buy the best plan, read the policy -you'l be happy
I have been a memeber since the early 90's and although the deductibles go up it is still a good plan. It is meant for serious illness which, regrettably, most dogs will have at some point in their lives if not more than once and allows you to pay for those events rather than making the tough chooices. Same as your own health insurance. I hve had chronically ill dogs and they have paid for protracted medications and treatments. I am getting anew puppy and she is enrolled before I pick her up. |
Reviewed by: Irene
Date: 9/20/2007 |
Rating: 10
Recommend: Y |
Thank you Petplan!
I have had my dog insured with Petplan for the last 6 years and haven't regretted it one bit. It's there if I need it. I think some of the previous posters here need to go back and read the information about their insurance policies, as I'm happy that Petplan doesn't charge more monthly for my older dog and instead has a higher deductible in place. Remember, you are only responsible for the deductible if you claim and it's ANNUAL (unlike car insurance where you pay your deductible everytime you claim). My 1 year old dog and my 10 year old dog have the exact same monthly premium! That's wonderful!I know that Tyson will most likely be needing more medical attention as he gets older, so I'm just fine with the $500 deductible (because 5 minutes in a vet clinic can cost WAY more than that!). I'm thankful that Petplan provided me with the information upfront...some of the other companies don't have their policy information available until AFTER you sign up. Thanks Petplan! |
Reviewed by: Tyra T
Date: 9/20/2007 |
Rating: 4
Recommend: N |
payout runaround
I'm still waiting for them to pay my claim from July 1st. It's now 2 months later and every time I call I'm told the cheque is being sent "in a week" and it never arrives. They've approved the claim and sent me one cheque but made it out incorrectly so that I was not able to cash it. They would not reissue the cheque until I mailed the bad one back and are still stalling on reissuing my cheque!
They've paid out on a subsequent lower claim ($68) but they are doing everything they can to stall paying me my $550. They state their turnaround time on claims is 5-7 days and it certainly can be quick--it was for my much cheaper claim. I don't know if this is common practice with them (this was my first claim with them) but if other people have had similar experiences I hope they too will share them. At the very least be prepared for the possibility that this company may act like a typical insurance company and do what they can to avoid paying a claim. |
Reviewed by: katy
Date: 8/30/2007 |
Rating: 1
Recommend: N |
Ripped Off
I've been with PetPlan for 3 years, and intend on cancelling my policy very soon if they do not follow through on covering my claim. The premiums increase every year, and they do make enhancements to the policy, but then don't follow through on providing you with the additional coverage at promised. I am very unhappy with the customer service I have received as well. |
Reviewed by: Melissa
Date: 8/23/2007 |
Rating: 1
Recommend: N |
Not worth the price
I would definitely not recommend Petplan. Although the customer service people are very nice, my premiums have been increasing steadily over the past few years and my deductibles have gone up to $500 a year now that my dog is older and I'm finally making use of the insurance. I haven't even made a claim yet because it's not worth the $500 deductible for a $150 ear infection! There are better pet insurance companies without deductibles. Although I believe in Pet Insurance, do your research please and compare with other companies. |
Reviewed by: Lauren F
Date: 8/4/2007 |
Rating: 10
Recommend: Y |
It has very well for us.
PetPlan is what they describe. They tell you everything about the services up front and you choose what package to go with. They tell you about deductibles and that premiums could change. PetPlan has worked wonderfully for us and our young dog. I would definitely recommend PetPlan. As with anything, the purchaser should read the material before buying but they are not hiding anything, it's all in black and white. Thanks PetPlan. |
Reviewed by: Lillian B
Date: 5/24/2007 |
Rating: 1
Recommend: N |
Total rip off
I was completley ripped off, signed up with our Vet for the 6 week trial period, had an accident within the 6 week period. Called to get info on how to claim the allowed $$, was told if I sign up over the phone for the "Standard plan" I could claim the full amount, no waiting period and they would pay the 80% - so I did...great I thought!! Later received a call saying it's a no go a waiting period would be in effect and then was told it was a once in a lifetime trial voucher. When we purchased our dog 2 years prior we received a voucher for a month of free insurance. So as it stands now the voucher is no good and I cancelled my insurance with them. I have asked them to provide proof in the policy where it states " 1 voucher per pet in a lifetime" Stay clear and beware |
Reviewed by: Lesley
Date: 5/23/2007 |
Rating: 2
Recommend: N |
Rip off. Read the fine print before you enroll!
Petplan is definitely not worth your money. They are constantly increasing my premiums and their annual deductibles increased to $500 as my dog got older! I'm totally unhappy with the product. Do your research before you enroll because there are better pet insurance products out there. |
Reviewed by: Josh
Date: 3/12/2007 |
Rating: 5
Recommend: N |
Deductibles increase
Not a bad company but I just realised that for a ten year old dog their deductible increases to between $250-$600 |
Reviewed by: Robyn G
Date: 3/6/2007 |
Rating: 10
Recommend: Y |
Fantastic Customer Service
Petplan provides great customer service and have a great product. |
Reviewed by: Steve K.
Date: 10/5/2005 |
