I called in to get pet insurance because my dog started limping. I asked the woman on the phone "how soon my coverage would start?" and she said "24 hours".
My response "good because he started limping and I wanted to get him checked right away..." ..."are you sure he will be covered if I bring him in tomorrow?"
Her response - "YES"
I took him in for xrays and $697 later we discovered that he has acute hip dysplasia on March 4th. Submitted the claim form May 9th and called in June 5th to see what the hell was taking so long.
The woman on the phone told me that there is a 14 DAY CLAIM PERIOD!!!!! WTF!? and that the $697 would not be reimbursed and he would not be covered for ANY FUTURE hip problems!!!
He's not even two years old and we are going to be stuck with making a hard decision. Hip surgery is $8,000 to $10,000.
I am disgusted that I was lied to and will be writing on as many forms, walls, blogs, social media etc. that I can, about how terrible this experience has been to warn people from making the same mistake, trusting your company.