Pet Plan finds every excuse to not pay claims!

Out of 10

After a friend's lab came down with cancer and the treatment of chemotherapy for 2+ years was covered by insurance until she died, I decided to get insurance for my 2 labs. Pet Plan appears to offer the most coverage...buyer be warned! There is so much fine print, exclusions, restrictions, limitations to the policy that they have every excuse covered to not honor a claim. During my 1 year, 4 months with Pet Plan, my older dog, with no history in 6 years injured himself playing in the snow and needed TPLO surgery over 4 months into the policy. Because I didn't have his knees certified (something neither of my vets had ever heard of), the claim was denied and I was accused of getting the policy after the injury actually occurred. My younger dog had seen a vet previous to the policy for lameness on his right rear leg. The vet in his records said, "highly suspect" bilateral tear although no lameness noted in left rear leg. They now are denying the claim on the TPLO surgery on his left rear leg because of that suspicion deeming it pre-existing. They do not cover congenital disease as they state because that would be a pre-existing condition. Save your money - find better insurance or pay out of pocket for the random chance that your dog will ingest something he/she are not supposed to, it's the only chance they'll ever pay out on a legitimate claim!

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TPLO -Cruciate Ligament Tear
Claim Amount
Over $1000

Labrador Retriever

Age of Pet
1 - 8

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Posted: 06/14/2013

Pre-existing conditions and congenital diseases are completely different things. A pre-existing condition is any condition for which the patient has already received medical advice or treatment prior to enrollment in a new policy. A congenital disease is a disease or disorder that is inherited genetically. Meaning that any disease that your dog may be genetically pre-disposed to would be covered, as long as it was seen before taking out the policy or in the waiting period.
No insurance company that I know, human or pet, would cover pre-existing conditions, and I've done my homework since I'm currently shopping. However, many also do not cover congenital diseases, which Petplan does.