A+ = reimbursement TAT, F - pre-existing

Out of 10

I was very pleased with the fact that it took 10 days from the office visit to the time I received a direct deposit for meds. What I am not happy with is the fact of how they treat "pre-conditions" We adopted our stray dog on 11/19/10, no medical history at all for him. Took him to his first vet visit and he had some problems. We purchased the insurance on 12/5/10....obviously couldn't get it BEFORE we adopted him.....See the emails below and my response....
#1. 12/23/10
Regarding your claim - "Recheck Ears" - with Claim Amount $66.00 for dates 12/20/2010 12:00 AM to 12/20/2010 12:00 AM

"Hello Sharon,
Thank you for faxing in Peanut's claim documentation, which we received today.
When I reviewed Peanut's claim, I noticed that the vet visit for this claim occured in the 14 day waiting period for Peanut's coverage. Unfortunately, this means the claim you submitted is not covered by your policy.
I am sorry this email does not bring you good news and I am disappointed that we could not provide benefits on this claim. I look forward to providing you and Peanut other benefits and services in the future.
If you have any questions regarding your claim please do not hesitate to contact me.
Thank you for choosing Embrace."

2. 12/23/10
"If I purchased on the 5, starts the 6th with a 14 day waiting period, it's effective the 20th, correct? So how did it occur in the 14 day waiting period?"

3. 12/27/10
"Good morning Sharon,
Sonya has passed your email onto me hoping t

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Ear Problem

Claim Amount
Under $100

Shih Tzu

Age of Pet
1 - 8

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