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My reimbursement claim was handled…
My reimbursement claim was handled within 2 weeks of submitting it and the money arrived during the 3rd week. I really appreciate the fast turnaround.
Insurer: Pets Best
By: Debbie
Predatory practices: Covered services denied/ vet language ignored and other language inserted to justify "preexisting condition"
3/21/23 - account management team: "Any condition for which a Veterinarian provided medical advice, the Pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition prior to the effective date of a policy or during any waiting period is considered pre-existing and excluded from coverage." The waiting period for an illness is 14 days and 3 for an injury. I saw the vet 12 days in. The "stated condition" referred to above is conjunctivitis, and the vet did not note this condition or any symptoms associated with it but said "injury." This "condition" was arrived at entirely by the claims dept. 3/21/23 - was told when I contacted to discuss claim again that even with 100% of other decisions noted as errors made by initial reviewer by Pets Best themselves, decision classifying case as an illness and inserting a diagnosis not even suspected by vet would NOT be considered for even a review without an appeal. I was told a supervisor would contact me between 24-48 hours. UPDATED: My experience has been negative. I enrolled in Dec 2022 for 5 pets. I've received conflicting information about 3 seperate things related to the claims process. It doesn't seem the people processing claims are reading closely as they denied claims very clearly aligned with the wellness plan. My initial claim was made Jan 27th and included an injury item and wellness items from the same visit. Records were submitted and confirmed to be received in mid Feb. It took 4 times to have the wellness plan items annotated and covered correctly despite being clearly itemized on my bill. The injury was classified as "illness - conjunctivitis", which is listed no where on the medical records. My vet used the word injury. UPDATE: Wellness plan claims: - Originally my claim denied entirely for $80 wellness exam, the $51 fecal testing and the $14 dewormer, the explanation being that those items were not covered. - I reached out for a review.The exam was covered and other items ignored. - Third review added $6 of the dewormer saying that was the max and the fecal testing was overlooked again. The wellness plan covers both in the amount of $20 and $50 respectively. - 4th review initiated by me covered all wellness items. Injury: - my kitten was taken in because it looked like he had injured his eye. He had no symptoms that aligned with conjunctivitis. The vet suspected an injury (annotated on his record sent to pets best), but she performed a diagnostic test for $27 to rule out a cornea ulcer. It was negative. I was sent home with no meds and the reassurance it would resolve in a day or so. It did. Pets Best denied the claim being it was inside the 14 day waiting period and classified it as an illness for conjunctivitis, which was listed NO WHERE on his chart. I was told by two separate representatives that specifically my issue with it being classified as an illness was being looked at. A week later, the claim is closed and nothing was addressed about his eye injury. I contacted pets best and was told that wasn't the correct process, and I had to write an appeal that can take up to 90 days. I'm so angry by the constant misinformation and the clear lack of detail on the initial claims reviewer. The reviewer clearly did not look at the claim closely or the wellness items would not be denied more than once. But now, I have to file an appeal which can take up to 90 days. Even though the company sees the initial reviewer messed up 100% of the other items on the initial claim, they completely refuse to review all decisions made by the initial reviewer. They clearly do not care about quality control or customers in refusing to at least review it even with the blatant other mistakes, but put the work on the customer to file more paperwork. Moreover, this being annotated as an illness instead of an injury now classifies this as a preexisting condition and therefore anything that presents as conjunctivitis (which this did not) will never be covered. I find it completely abhorrent a company would blatantly ignore language used by the vet - "likely injury" - in favor of words that the vet never used - "conjunctivitis" and "illness". If the vet suspected or noted conjunctivitis like symptoms, that would be written some where. None of the symptoms listed for conjunctivitis were present. It's especially abhorrent for non-medical professionals to ignore language used by medical professionals and insert language of their own that would deny future benefits. At best this gross oversight and should not require an appeal to review. At worst this is a scam. I am aware of how to contact pets best. I have had to 5 times. My claim is 5850082 should anyone want to do the right thing.
Insurer: Pets Best
By: Diana Pan
So Far The Best Pet Insurance Out There!
Been a customer since 2020 I believe. So far customer service has been great and the processing of claimed are pretty quick. Only downside is my dog had some few pre-existing conditions when I signed up. But so far coverage for everything is decent. Especially with adding wellness rewards and being able to have alternative care (hydrotherapy, acupuncture, etc) is great! Love the referral bonuses as well! The prices and coverages still beat the competitors.
Insurer: Embrace
By: Lyssa Redoble
At the present time Trupanion has not…
At the present time Trupanion has not been needed. Spirit is going to the vet in the near future for his regular exam and I do t foresee any problems.
Insurer: Trupanion Canada
By: Donna M
Grest experience with Spot Pet
We had a horrible experience with Trupanion, the most dishonest and unhelpful company. I was expecting a similar experience with Spot Pet. Instead everyone was helpful, knowledgeable, and friendly. Everything was explained to me throughly.
Insurer: Spot
By: Rosa Miller
Read the small print
Read the small print! Typical insurance company trying to minimize their payouts. Up front they make it seem like they cover a lot more than they actually do. When you submit a claim, they will fight you for every dime before paying it out, or deny the claim altogether and send you through their lengthy appeal process (takes over a month).
Insurer: Figo
By: Emiliano Urbina
Thank goodness for Healthy Paws Pet Insurance!
We just want to sincerely thank Healthy Paws for all they have done for us. Our 13 year old has is a cancer warrior and has needed various surgeries, chemotherapy, and veterinary care. Without Healthy Paws pet insurance, we wouldn’t have been able to give our dog the care and attention that he needs and deserves. The treatments and surgeries have literally saved his life and given us more time with our sweet boy. Healthy Paws does not have caps on his care and that is such a relief to us. We are so happy to be part of the Healthy Paws family and sing their praises to our friends! It is one of the best decisions we have made when we got our dog! We highly recommend them!
Insurer: Healthy Paws
By: Thomas Donnelly
Pumpkin is usually very quick with my…
Pumpkin is usually very quick with my claims and they give thorough explanations for you status.
Insurer: Pumpkin
By: Lance
Everything was great on my questions…
Everything was great on my questions were answered, and I was glad I signed up for Trupanion
Insurer: Trupanion Canada
By: customer