Petplan claims denial fabrication of a preexisting

Out of 10

Petplan refused to pay on claims due to our dogs increasing age after they increased his insurance coverage cost each year based on his increasing age by trying but as he aged, they denied reimbursement due to their fabrication of a pre existing condition that was never pre existing prior to our purchasing a policy four years prior to purchasing his policy.

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Skin problem

Claim Amount
$100 - $500


Age of Pet
1 - 8

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Posted: 07/01/2016
By: Philo Vance

To avoid problems with a "pre-existing" condition it's very important to have the policy "underwritten" immediately upon its taking effect in the first year. You must specifically request that the policy be underwritten and provide all health records up to the start date of the policy. In about two weeks you will get a letter telling you about any exclusions. If there are no exclusions at the time of underwriting Pet Plan won't "fabricate" them years later. If there are, and you believe they have misinterpreted the data, you can discuss it with them. Sometimes they will exclude a certain condition for a period of time before they will then consider paying for it. But without underwriting surprises are definitely possible.