over charged

Out of 10

I signed up for dog insurance, was told many times it would be about $67 but because i have AAA id get a 5% discount. great! however my bank account was charged double and now I cant get it touch with the girl who sold me the insurance. I dont know if she was sick or just that busy but this was unexpected and not ok. I signed up for the insurance the end of the last week of April and even if they charged me a whole month of April, I didn't even have the dog the whole month and think that'd be such a rip off. Below I checked I would recommend the company only because I haven't used it yet and so i can't give an opinion.

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first month payment
Claim Amount
Under $100


Age of Pet
Under a year

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Posted: 06/13/2012

Um, it says right on the website quote that the first month's payment is two month's premium. You weren't overcharged. You misunderstood.

Posted: 06/24/2012

I just reviewed the policy and they charge you upfront for two months, and then once a month thereafter. Sort of like renting a home you pay first and last month upfront. Is this maybe what happened?

Posted: 06/26/2012

According to the website they always charge the cost of 2 months for the first month. It is a back up measure just in case the owner couldn't pay for a month for whatever reason, they would still be covered for an additional month from that first payment.

Posted: 06/28/2012

It clearly states on the website that the first payment is "for two months premium." That means it should be double. You were charged correctly, but it seems that you failed to read the not-so-fine print. It's really not fair that you gave this insurance company such a low rating based on the fact that you didn't bother to read the payment schedule carefully.

Posted: 07/10/2012

The purina insurance sites explains that they will charge you double the premium for the first month for a security blanket in case your credit card was declined in a future month. It is to ensure proper coverage for your animal in an event of a banking accident.