I loved Pet's Best. I signed up for it within a day of it becoming available in my state! I recommended it to family, friends, strangers - anyone with a dog that would listen! They paid every claim submitted in a timely manner - and with absolutely no problems.
And now they've changed underwriters - and no longer are keeping one of their promises. They HAD a wonderful program where you could pay an extra $12 a year and have your dogs premiums stay the same until their 8th birthday. When I saw this I thought "WOW - you'd be crazy NOT to do that". I used that as a selling point to have a good friend get the policy even though money was tight at their house.
I read the agreement carefully and looked for any loop holes - but when I read the part of the contract that said
'Discontinuation of Fixed Premium Program: the company may, at any time in its discretion, discontinue offering the Fixed Premium option to new insured. The company, however, will continue to honor and provide the Fixed Premium optional coverage for any existing insured who has purchased the option prior to termination of the program,
subject to the terms and conditions of this policy.'
I figured - GREAT! I'm in the program - I'll just have the yearly fees automatically be deducted - and even if they discontinue the program I'll still be fine - it says right there that they will continue to honor the fixed premium.
Well - my policy auto renewed 2 weeks ago - and when it did I was told that the underwriter changed to Aetna and they were discontinuing the fixed premium program. I thought to myself 'that's fine - my original policy states they'll honor the program even if discontinued'. Well - apparently not. Apparently their policies and honor mean nothing. Since Aetna doesn't want to continue with the program - they will discontinue it for everyone - no matter what the original policy states. And it's not even a tiny raise in price - for me it's an increase of $150 a year for the premium and an additional $25 per visit for the deductible.
Now, unfortunately I can't sing their praises everywhere I go - since I have no way of knowing what they will decide to change next - and can't trust that they will hold true to our original agreement.