I just signed up for 2 policies with Petplan, so I haven't had the need to submit a claim yet. However, I was reading the "Terms and Conditions" pdf in the Important Documents link (accessed after logging in to your account), and was very surprised to see this language in the "Definitions" section: "Reasonable Costs-The usual and customary fee charged for a given treatment or procedure within the geographic area in which the fees are incurred, as defined by the most recent American Animal Hospital Association Veterinary Fee Reference Guide". However, on Petplan's website, in the section regarding "what Petplan covers", if you click on the "Petplan policies" link near the top, it takes you to a page which says "Reimbursement is based on what your veterinarian actually charges. It is not based on what a benefit schedule dictates or a "usual or customary" fee determined by the insurance company."Since I am within my 30 day cancellation period, I have to ask "which is it?". Has anyone else noticed this and has it been an issue with anyone regarding the amount Petplan has paid on a claim?
Age of Pet