UNETHICAL PRACTICES, DO NOT PURCHASE A PETPLAN POLICY!
I purchased a Petplan insurance policy in February 2016 at the cost of $86.05 per month. I haven't needed to use it until August 2016 which means they have already collected $688.40 of my money for a policy that they haven't paid out a dime on.
My dog has an unidentified lump on her wrist which was noted by the vet prior to purchasing the Petplan policy. What this means is that the veterinarian noted in the patient log to have existed(one line), but it was never tested on or diagnosed to be a condition. Despite it not having gone undiagnosed Petplan chose to deny a pre-authorization to have the lump tested and removed. The reason for the denial was that it is considered a pre-existing condition simply because she was showing symptoms prior to purchasing the policy.
I spoke with a representative on the phone who explained a pre-existing condition to be “any condition that exists prior to purchasing the plan EXCEPT conditions in which the breed is genetically prone to getting(hereditary). For example, if a Daschund gets arthritis in its back they will cover the cost of treatment because the breed is prone to back arthritis.” Upon explaining this to me I inquired about whether or not they would cover my English Bulldogs hip dysplasia because, as a breed, they are genetically prone to getting the condition and are known to have the highest rate of hip dysplasia among any breed. She told me that despite it being a hereditary condition, it would not be covered because it is a pre-existing condition.
In addition to the lump on her wrist I submitted an official claim in the amount of $325(or $800) regarding a condition that my dog was in fact treated for. My Petplan policy comes with a $200 deductible PER CONDITION. Instead of paying the difference($325 - $200 = $125) they separated the claim into 2 different conditions involving allergies thus 2x $200 deductibles, neither of which were met therefor they did not pay a dime. I called them to point out numerous errors that were made across BOTH of the new claims where the amount applied to the deductible was less than it should have been. There was also the issue that without the Banfield wellness plan that I’m paying an additional $40/mo for, the visit would have costed nearly $800. The difference in cost is very clearly stated on the vet invoice that was submitted with the claim. In other words, I’m paying Banfield for a discount that Petplan is kn