CAUTION - unlike human insurance

Out of 10

Be wary when selecting any pet insurance provider, read all the fine print. We had the insurance for a couple of years when our poodle developed a growth on her anal gland, the vet monitored it for some months then at the vets advice we opted to have it removed as it was growing. Because the growth was discovered during one year of insurance and removed during the next insurance year (which could be over a period of only a day, depending upon when your insurance year starts and ends), the claim was considered a "Previous Condition" and denied.If human insurance companies did this, it would cause a bit of an uproar, but pet insurance companies, in my opinion, have found and use to the fullest extent, the ultimate legal rip off.

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Growth on anal gland
Claim Amount
Over $1000

Poodle (toy)

Age of Pet
Over 8 years

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Posted: 02/17/2011

Ed, we’re sorry you have some concerns about your plan.
The way our pet insurance works is that ongoing conditions, which are injuries or illnesses that initially show symptoms in one plan period and need care after your plan renews, are not covered by our base coverage. If the condition is curable, it may be covered 180 days after cure and last treatment. We offer a Continuing Care coverage option with Levels 2, 3 and 4 that offers protection for long-term or chronic conditions. In some states, we offer Enduring Care, which includes coverage for ongoing conditions. We think our Continuing Care option is the best way to cover these conditions because it offers separate, straightforward coverage for treatments that are needed over multiple plan years.

If you have further questions about Continuing Care, please call us so we can help.