Will Use Any Excuse to Deny a Claim

Out of 10

My Puggle is 4 years old and we have had PetPlan for a little over a year with no claims. Several months ago, he had a UTI and his prostate was enlarged. It was recommended that he be neutered. He was put on an antibiotic and the condition was resolved and the vet said that if it occurred again that he should definitely be neutered. I want to breed him so I am trying to avoid neutering. When he went in for his shots a week ago, I asked them to check his prostate. He was not having any symptoms but I wanted to keep an eye on it. The vet said the left side was slightly enlarged so I decided to neuter. Sent a pre-authorization to PetPlan; they denied it. Why? Their excuse was that the vet had recommended neutering several times before. This vet thinks every pet should be spayed/neutered and has told me my dog needs to be neutered at every vet visit since he was 8 weeks old...not because he had problems of any sort but because it's the vet's personal belief. The vet told me he needed neutered even when I took him in for an ear infection! Apparently, PetPlan interprets this as me not preventing the condition of an enlarged prostate; therefore, it's not covered. Why would I have my dog neutered if he was not having problems, especially, if I wanted to breed him? To top it off, customer service was rude. Needless to say, I'm done with PetPlan. There are legitimate pet insurance companies out there, but PetPlan isn't one of them.

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Enlarged prostate
Claim Amount
$100 - $500

Mixed Breed

Age of Pet
1 - 8

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Posted: 09/26/2011

I thought neutering wasn't covered.

Posted: 01/30/2012

I've been researching people's experiences with Petplan, and found your review. It's fairly upsetting that you would want to breed a mixed breed dog. This is generally accepted as a backyard breeding practice and is mostly an irresponsible decision. If your dog is having health problems, its in his best interest to not breed him anyway.

Posted: 01/28/2013

One weekend in 1998, my 6 YO unneutered Rhodesian Ridgeback went from being the healthiest, strongest, fastest dog you'd ever seen to in the ER undergoing surgery for peritonitis caused by an enlarged prostate that suddenly went septic. Friday night he was running and playing with our other dog- Sunday morning he was dead. $3800 in (uninsured) vet bills and and this was 15 years ago.
I can't blame PetPlan in your case because, frankly, if a dog has an enlarged prostate its the single treatment that is sure to correct the problem. I will never have another unneutered dog, and I suggest no one else do, either.