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Buyer beware on "pre-existing" pet health issues
We have had three cats covered by the ASPCA Pet Insurance plan since 2008. In general the plan has provided the type of insurance support advertised. Most years we had no claims or claims less than the cost of purchasing the insurance. However in 2013 we have had a major challenge with the insurance plan. We submitted an insurance claim for a $2,500 procedure and it was denied because we had crossed 11 days into a new coverage year and because the pet’s illness had begun earlier it was now considered a “pre-existing condition”. After discussing on the phone with the ASPCA Pet Insurance claims individual and the supervisor, who were professional in their interactions, their answer was still to deny the claim. Even though we have been continuously covered for 5 years for all three cats and had not submitted any claims for the earlier veterinary assessments and felt that there was a change in diagnosis prompting the major assessment, it was considered “pre-existing”. In fact, no matter what the diagnosis or how slow the progression of a disease if the ASPCA can prove that at any time (even a day) earlier in the previous covered year there was any indication of illness then its “pre-existing” and not covered. Anyone signing up for ASPCA Pet Insurance should be fully aware that if their pet becomes ill at any point in a covered year and they do not fully resolve the illness in that year they will not be covered when the new policy year begins, no matter the reasoning. We obvious
Insurer: ASPCA
By: Dale
Amazing Service
This is my second claim from Embrace. The service is fast and reliable and the explanation of benefits is easy to read. I told my vet that they should recommend Embrace and I recommend it to everyone I know who has or is thinking about getting a pet!
Insurer: Embrace
By: Kathryn
Excellent
Any expected chronic illness of Addison's disease has left us with long term health care commitments with our puppy Hailey. We never know when an Addison's crisis will occur. Or unexpected bloodwork, hospitalizations or medication interventions during stressful periods. Trip anion helps offset the medical expenses. If not for pet insurance Hailey may not be us
Insurer: Trupanion
By: Debbie
Excellent
Any expected chronic illness of Addison's disease has left us with long term health care commitments with our puppy Hailey. We never know when an Addison's crisis will occur. Or unexpected bloodwork, hospitalizations or medication interventions during stressful periods. Trip anion helps offset the medical expenses. If not for pet insurance Hailey may not be us
Insurer: Trupanion Canada
By: Debbie
Wisers developed eye problem
Wisers had problems with his eye which were treated by out Vet and he was followed carefully and eventually the eye had to be removed, but today he is doing great and adapting very well
Insurer: Trupanion
By: Lisa
Wisers developed eye problem
Wisers had problems with his eye which were treated by out Vet and he was followed carefully and eventually the eye had to be removed, but today he is doing great and adapting very well
Insurer: Trupanion Canada
By: Lisa
This insurance is better than people insurance
It's great it's simple it's fast not a lot ofPaperwork no long conversations About nothing it's great and I'm very Happy to know Chanp and Buster Are being taken care of as needed
Insurer: ASPCA
By: Fred
Broken leg
My puppy fell off the bed and broke her leg. Trupanion was quick and very kind. We had a few complications because they didn't have all her history at the time. Once it they had all the infomation on her the other claims went quickly.
Insurer: Trupanion
By: Rebecca
Broken leg
My puppy fell off the bed and broke her leg. Trupanion was quick and very kind. We had a few complications because they didn't have all her history at the time. Once it they had all the infomation on her the other claims went quickly.
Insurer: Trupanion Canada
By: Rebecca
Overcharge
One of my two insured dogs had a cancerous lump removed from his leg. When I recieved the report of my claim for this illness, Trupanion broke it up into several different incidents and instead of paying the $250.00 deductable, I actually was charged, inaggregate of $288.00, all for the same illness.
Insurer: Trupanion Canada
By: Bruce