Great until your pet gets older and sicker

Out of 10

In the beginning, this company was very good. When my dog had an ruptured ACL, they paid the claim, but that didn't fix the problem and they had to do a 2nd operation to remove her minicus. They covered most of this operation, but charged me another deductible and she ended up maxing out the muscular/skelatal category of $3,000. When she needed surgery on the other knee for the same issues, none of this was covered. They make you believe that it is a $3,000. max. for each injury, but it is 3,000 for each injury AND category for Life. That means any other bone my dog breaks is not covered. While these surgeries were being done, my dog has been diagnosed with a thyroid problem and a kidney problem, which she has special food and medication for. Everytime I submit invoices for the food (which they only pay 25%) and the medicine, they ask for another claim form, more records from the doctor, etc. They stall and stall and then they say they have already paid for these medicines on a previous claim. I had to ask for a line-by-line break down in order to prove to them that there were items that have not been paid. It seems that once you start costing them money, they make you jump through hoops to get the claims paid. These are ongoing conditions, and I should not have to send in paperwork for something they already know is going on. My dog is 8 years old. For the first 6 years, while she was basically healthy, they were great with her minor claims. Now that she is olde

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Renal (kidney)


Knees - ACL and minicus
Claim Amount
Over $1000

Mixed Breed

Age of Pet
1 - 8

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Posted: 10/05/2011

I just got the petcare coverage for my elder pets. The customer service representative was great and explained to me the difference between plans,and yes some only covered a max amount for each illness not a yearly amount Although the yearly amount was less, I chose that over the max amount.

Posted: 06/13/2013

actually when i read over my policy and the terms and conditions, the acl tear would be classified as an illness in the musculoskeletal category... so that would be covered to a max $3000 for anything under that category.
but a bone fracture is categorized as an accident, so it would be covered at $3000 each time..

it can get a bit confusing, and perhaps they didn't explain it to you properly, but they didn't lie