Unhappy with Purina - They are Cheap

Out of 10

I've had Purinacare pet health insurance for about a year and a half now and I have never before made any claims. I recently made my first and only claim as my dog had a surgery on his foot. At the same time as the surgery, the vet recommended having his teeth cleaned so I wouldn't have to pay for the anasthesia twice. During the foot surgery and tooth cleaning, she found that he had gingivitis and needed several teeth pulled. I submitted the claim to Purinacare and they did not pay for the teeth cleaning, which is fine because I guess it is a preventative service. However, they also did not pay for the tooth extractions. I have a problem with that because tooth extractions are not a general maintance/preventative service. My dog had the disease gingivitis, which the vet marked on the form. They also only paid half of the anasthesia. I'm not sure why, I'm guessing because the dog had 2 procedures while under anasthesia and one of them was not a procedure they cover (the tooth cleaning). However, even if my dog had not had his teeth cleaned, he still would have required the full anasthesia, as he was having a surgery on his foot! To me, that is being reallllly cheap on their part and generally trying to get out of having to pay for services they should be paying for. I will be looking for new pet insurance. Purina is really expensive-- $55 per month plus a $250 deductible and then only 80% coverage. I pay them $700 each year just in monthly fees, and on this claim I

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Foreign object lodged in foot, gingivitis
Claim Amount
$500 - $1000

Yorkshire Terrier

Age of Pet
1 - 8

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Posted: 03/17/2012

Thier view is probably that if you'd had the teeth cleaned previously, it would have prevented the gingevitis/tooth extractions.

Posted: 01/16/2012

does your policy have coverage for preventative care? perhaps that is why they did not reimburse