Petplan Defrauds Customers, Leaves Pets Unprotected

13 of 13 Petplan reviews

I purchased my PetPlan dog plan on June 9, 2009, pre-paid for quarterly coverage and was charged after the 24 hour hold on June 10, 2009. A few weeks later Brewster began experiencing urinary issues, so on June 24 I took her to our local vet. Thus, it is important to note that the vet visit was after the two week waiting period. It was simply coincidental that the vet visit was on the day after the plan went into effect. The vet diagnosed Brewster with a mild bladder infection and prescribed some meds. Given the fee was only $70 we didn't bother submitting it to PetPlan.

After two weeks, Brewster still wasn't well so we returned to the vet, who issued a different prescription. After another three weeks, she still wasn't improving, so we returned to the vet who advised we begin costly testing. After checking with PetPlan, who told me specifically the procedures were covered, we moved forward with the testing to determine what was wrong. The tests ultimately showed Brewster had a stone in her bladder that had to be surgically removed.

At this point we had spent around $800 with the surgery estimated to cost more than $1000. We submitted a claim for the $800 for the initial fees incurred, and I again called and spoke with PetPlan to confirm the next surgical procedure would be covered.

Brewster went into surgery on August 31 at 7 a.m. When I got home from work, I received a letter from PetPlan saying that they were denying my claim and subsequently would not be covering the surgery we had performed today. I then called PetPlan immediately and was informed that they were considering it a pre-existing condition – because even though I enrolled on June 9 and paid the same day, my plan "mysteriously" was not activated until June 15, which meant the first vet visit occurred during the two week wait period. However, I did open my plan on June 9, technically in effect on June 10 due to the 24 hour hold, which would mean the June 24 vet visit would fall after the wait period had ended.

I did not enroll and pay for a service and then knowingly consent to the plan not being activated for five additional days. At this point, we have not received any further response/communication/resolution from PetPlan and are currently responsible for nearly $2,000 in vet fees, despite Pet Plan incorrectly activating our plan five days after we enrolled and paid in full.

My dog means the world to me, which is why I was so thorough in my plan selection. Working in the insurance industry, I know how insurance companies work and often wrongly deny claims, which I fear is the case in my situation. I am glad my dog has now received the proper course of treatment, but there is still a large vet bill that needs to be resolved. We choose PetPlan to be protected, not defrauded.

Don't choose PetPlan!

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Cher

Oct 08, 2013 #726973

They just denied my claim for a curable pre-existing condition, which on their website clearly states is covered...but oddly enough..in the fine print legal jargon of the actual policy, is not covered.

I also love how on the website it says "Thankfully, Petplan pet insurance covers all hereditary and congenital conditions for the life of your pet as standard." However in the policy jargon, it says that all tissue problems like patellar luxations are not covered unless "you have a vet make note in the first (30 days) of the policy effective date, that there are no knee problems". Who the F*%$ does that? You have no idea in the future that your dog will need the surgery, why on earth would you make sure the vet makes a note about this? And get a vet appt in the first 30 days?? No where does it say this is recommended. This company is complete ***, false advertising.

1 0 Reply
Sassys mom

Jun 05, 2013 #660837

thx everyone for posting your stories. I was considering signing up for a policy but after reading how each of you were treated, will look elsewhere. Hope each of you and your furry family members are doing well. Thanks again!

0 0 Reply
Wendy and Howard Bates petplan

Oct 22, 2012 #558517

We took out a plan for our little Birman kitten in 2006, hardly ever used it as our baby was well, but I did ask specifically for death cover covering road accidents as we lived near a busy road and she was a expensive cat. They are now saying her death was not covered. My husband and I can't get over losing her and now that they won't pay out we feel so much worse

0 0 Reply
t. Kristoffer

Feb 09, 2012 #426214

I have had petplan for almost 2 years, and in those two years I have NEVER had any luck getting a claim approved. They will use EVERY POSSIBLE detail that the vet writes to deny claims. They have put in place so many roadblocks to getting claims process as possible. Never in my life have I experienced such difficulty with an insurance company! First, they require at leas 2 years medical history for every pet, and it MUST come from a veterinarian. If you don't have it, than you're screwed. Every claim is auto-rejected. NO OTHER PET INSURANCE COMPANY REQUIRES THIS.

Their favorite excuse is "pre-existing" symptoms. Sorry, just because a dog has has bladder problems before, does not mean all bladder problems are automatically related.

When there is no grounds for labeling it pre-existing, they simply tell you that the claim exceeds the allowed amount for treatment. They lure customers in offering 100% reimbursement, but then reject every claim. And what good is 100% reimbursement when limits are put on how much expenses can be.

They also like to tell you "You could avoid this by getting pre-authorized every claim."

I'm sorry, when my dog is requiring urgent medical care, I do NOT have the time to submit pre-authorization forms and wait days for a response just to see if the insurance will cover it. Also, in emergencies (where this usually becomes a problem) I do not have time to compare or worry about whether the fees
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1 0 Reply
Charlie

Jan 31, 2012 #419421

I smell a class action suit

2 0 Reply
Donna DeMarco

Jul 18, 2011 #314117

I would like to post an update to my comment. After several weeks of following up (on my part) making several phone calls, leaving several messages and emails for the manager, I finally received word that the denial of my clam has been overturned and they are covering and reimbursing my expenses.

None of the calls / emails I made were personally answered by the manager, and I still really feel they could communicate better with customers (and each other). I think if they made this effort, it would ease the frustration felt by their customers and would only benefit them. However, I am pleased that they did the right thing and honored my claim. (The documentation I submitted did provide proof that was pretty indisputable.)

My advice to anyone having a bad experience would be to keep calling, submit all documentation (and get as much as possible.) If you feel that you are in the right, keep on top of your claim and don't give up.

1 0 Reply
Donna DeMarco

Jul 15, 2011 #312946

I have also experienced poor customer service, zero communication, and nothing short of frustration in dealing with PetPlan.

I previously used ASPCA insurance for one cat, and have never had to deal with this level of hassle and frustration before. When I adopted my two other cats, I signed them up for PetPlan because I believed the glowing reviews they received online. What a mistake.

Instead of paying a monthly premium like I do with ASPCA, I had to pay an upfront annual premium. I was told I needed to do this as a resident of NY.

I signed up for PetPlan in November 2010 and filed a claim for one of my cats (Pasquale) in April 2011 when he was treated for an ear infection. I had filled out the form, followed instructions to the letter, and had my vet submit all of Pasquale’s medical records and doctor’s notes.

When I had first brought Pasquale home from the shelter, I brought him for his initial vet visit right away and they cleaned his ears. His ears had debris inside them at that time, but there was no infection diagnosed, nor was any medication prescribed- aside from instructing me to clean his ears regularly, which I did.

PetPlan will try to use anything in the vet’s notes against you to deny your claim. When Pasquale contracted an ear infection 5 month later in April, they denied my claim, calling this a pre-existing condition based on notes from November about debris. I
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greenirisheyez

Feb 28, 2013 #616298

I had an experience very similar to yours and I admit they wore me down and I finally just let it go, never receiving compensation for the $1,000 bladder infection my golden retriever had.

I started this insurance when my goldie was one year old and was told her premiums wouldn't rise until she was three and then there would be no further increases after she was eight.

My quarterly premiums when I started were under $50 a quarter, now she is five and the quarterly premiums have doubled with another increase coming when her new policy year starts in June. I called today to find out how much the premium is expected to increase because the cost is becoming prohibitive, particularly since they wear me down so much I give up on filing claims. The person I spoke to was unable to give me that information and when I inquired about the increases stopping when my dog reached eight years old, she said they don't do that anymore. Huh? Okay, if they chose not to offer that feature anymore that's their prerogative, but they should have to honor it on the policies that were written with that understanding. Of course, that information is stated no where on the policy so I guess it was only verbally given to me by a representative of PetPlan. :( I have paid this company a lot of money over the last four years and have received nothing in return, not even what they state in black and white
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0 0 Reply
Alma Boudreaux

May 03, 2010 #139662

I took out Petplan when I found out I was getting laid off. That was in November, I am out over $80.00 on policy fees - and I thought I took out the best policy with no deductible, etd. HAHA My cat had conjunctivitis this last month with vet bills just under $200. I just received my letter from petplan denying my claim. Due to deductibles, routine fees that did not count, etc. Any reputable company would give an itemized breakdown with an explanation. I will be cancelling this useless policy - they added a big expense to the care of my pet, money better used to take care of the cat.

0 0 Reply
PissedAtPetPlan

Apr 14, 2010 #132939

I have had a similar experience... My gorgeous boxer pup was only 14 months old when she crashed into a table and seconds later had a heart attack and died. I was distraught and the vet were asking me if I wanted an autopsy done. I didn't want her cut up but thought i'd better ask petplan if it was something I needed to do... They said no, not required. Long story short, they've taken 6 weeks to process the claim (Still charging me in the meantime of course) and I got my denial letter today saying she's not covered for death by illness. And because there was no autopsy done they can't say what caused her death! I been given the right royal run around including not being called back, rude service etc and just don't know where to take it from here. I would give anything to have my baby back but I would NEVER use petplan again.

0 0 Reply
Maisie

Dec 08, 2009 #92992

Pet Plan - I took out insurance on my dog over 1 year ago - now that I have put in a claim they have put exclusions onto the policy backdated to the beginning because of characteristics of his breed and excluding all dental work. In trying to resolve this for the last 3 months - I have been continually insulted, talked down to, racial comments were made to me, it is currently in the hands of the complaints department as I know that I have been mis-sold this policy as when trying to reinsure the same type of dog once again no exclusions were going to be immediately actioned. Vets won't fight for you because although 9 out of 10 recommend Pet Plan this is because they get a backhander from the organisation to do so Even the lady I spoke to today at PetPlan has not even got insurance for her dog she explained that having purchased a pet once should have the responsibility to pay all vet bills oneself - somewhat strange as PetPlan say that you are responsible by taking out insurance!!!!! Obviously she knows the reasons not to insure your pet! - especially with the organisation she works for!!!

0 0 Reply
Nichole

Sep 29, 2009 #75540 Medical Lake, Washington, United States

I am really scared now. I have a petplan policy and had to take my cat to the vet and she was diagnosed with a possible neorological condition. Of course this is new and not pre-existing, so I'm figuring the claim will be covered along with any future ones for this condition. However, I am afraid they will now come up with an excuse. Especially since the vet visit was made during a time when the premium wasn't paid. To make a long story short, I had to cancel my card and get a new one forgetting that PetPlan auto withdraws the payment. So, I called and told them i was just waiting for a new card. They said not to worry and my coverage will not be affected. I did call them with the new number and I'm paid up to date. I submitted my claim today, but now after reading these complaints, I'm worried they will either say it's pre-existing (event hough it isn't) all because they'll try to find the loophole such as the payment discrepency. My poor Lullaby needs further care, but I can't afford to do the expensive MRI, etc if they won't cover the condition. Now I have to sit and wait to see if they pay this claim before I can move forward.

0 0 Reply
Giovanni Perfetto

Sep 10, 2009 #71460

I really can understand you fustration with PetPlan. I just recently was told by petplan that I would be covered 100% for reimbursement for medical bills for my Cat. My cat Shakespeare was hopitalized for a blockage. I have medical bills over $3000. I received my Dear John letter yesterday saying I would not be covered, they state that Shakespeare had a pre-existing condition. I have two letters from two different doctors stating that there was no pre-existing condition. Still petplan has denied my claim. I am very sad to say that my dear cat Shakespeare had to put to rest yesterday at the young age of 8. I called petplan to disucss death benefits and they offere me a hundred dollars because I could not provide a receipt for purchase of my animal 9 years ago. Furthermore, I was also turned down for the $100 because they say it was a pre-existing condition. I am not sure in what direction to go from here. I would appreciate any input from readers. Glad to hear you dog is doing well.

Giovanni gitalia16@yahoo.com

1 0 Reply
Giovanni Perfetto

Sep 10, 2009 #71458

I really can understand you fustration with PetPlan. I just recently was told by petplan that I would be covered 100% for reimbursement for medical bills for my Cat. My cat Shakespeare was hopitalized for a blockage. I have medical bills over $3000. I received my Dear John letter yesterday saying I would not be covered, they state that Shakespeare had a pre-existing condition. I have two letters from two different doctors stating that there was no pre-existing condition. Still petplan has denied my claim. I am very sad to say that my dear cat Shakespeare had to put to rest yesterday at the young age of 8. I called petplan to disucss death benefits and they offere me a hundred dollars because I could not provide a receipt for purchase of my animal 9 years ago. Furthermore, I was also turned down for the $100 because they say it was a pre-existing condition. I am not sure in what direction to go from here. I would appreciate any input from readers. Glad to hear you dog is doing well.

Giovanni gitalia16@fyahoo.com

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