ShelterCare Pet Insurance

Reviewers
Male / Female		 Recommend
Yes / No		 Number of Reviews Coverage Claims Customer Service Cost Total Average Rating
3 / 3 1 / 5 6 2.50 2.50 2.50 2.50 2.50

Date Submitted: May 4, 2010
Pet Insurer: ShelterCare Pet Insurance
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 1 out of 10
Recommend: No
Review: Why spend the money buying insurance....
We adopted a German Sheppard from a shelter and received their ShelterCare gift policy. Within the first week our new 1.25 year old dog developed diarrhea. We had to take her to a vet and they had to run some fecal tests to find she had a bacterial overgrowth. The bill was $210 paid out of pocket. Submitted a claim and about a month later still had not heard anything. Called in and they said they mailed the response, but it was not covered under the conditions of the “GIFT” policy. So I ate the 210 on the vet bill and upgraded the coverage.

Here is where is gets really funny. We struggled for about a month with her eating, trying different foods, doing anything we could to get her to eat, but she was losing weight to fast and as down to 48 lbs….which is small for a dog her size and her diarrhea was back. So again we went to the vet and they had to run blood test, one checking for a special disorder common in German Sheppard’s. She was diagnosed with EPI. After everything with the vets, tests, and medications, the bill was around 680 dollars. One week later she was in better health, but developed a bladder infection. Again it was to the vet and another 370 dollars in vet bills. Sent both claims to ShelterCare on the same day and waited over a month to hear anything (called 4 times checking and requested a supervisor call me….which they never did). Finally a month and a half later I was told the responses were sent.

I received the check yesterday. All I could do is laugh. The $680 dollar claim was denied saying her EPI condition was a preexisting condition (per the diarrhea claim that was not covered). Keep in mind this was a shelter dog. AS for the 370 dollar claim, they covered 102 of it. That was enough for me. Between the customer service and the BS for coverage, your better off taking the 40 dollars a month and putting it into a account for vet bills (coming from my sister who s a Vet in PA).

Total claimed while having their insurance: $1,260.00
Total cost of the insurance: $ 120.00
Total covered by insurance: $ 102.00




Comments [ 0 ]
Submitted by: Lee
26 year-old   ::   Male Reviewer   ::   Combined Locks WI

Date Submitted: April 7, 2010
Pet Insurer: ShelterCare Pet Insurance
Coverage: 10 out of 10
Claims: 10 out of 10
Customer Service: 10 out of 10
Cost: 10 out of 10
Recommend: Yes
Review: Thank goodness
I'm so grateful that we received a "gift of insurance" policy when we adopted a puppy from the local humane society. Unfortunately, she got very sick very quickly - she was diagnosed with parvo and we tried everything we could but had to put her down after just a week.

Sheltercare was excellent. The customer service was responsive and kind. I wish that I had upgraded my policy before she got sick - and I will always do that in the future. But they made good on the policy and quickly paid the maximum ($750) for the gift policy when we submitted our receipts and medical records.

I am glad that I bought policies on my 2 older pets. Now that I know how much I would want to continue treatment, I am glad that money will not have to be the determining factor.
Comments [ 0 ]
Submitted by: Amanda
31 year-old   ::   Female Reviewer   ::   Decatur, GA

Date Submitted: March 12, 2010
Pet Insurer: ShelterCare Pet Insurance
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 1 out of 10
Recommend: No
Review: DO NOT BUY!!!!! SCAM
Do not buy this insurance! I have been fighting with this company to be reimbursed for an emergency visit for the past 3 MONTHS. Everytime I call I wait on hold for at least 10 mins.

First they rejected my claim because the symptoms started prior to my insurance claim.

After I proved that the insurance policy started prior to the symptoms, they rejected me because they don't think my dog's Diarrhea/Lethergy was caused by one of their "10 named perils". Intestinal Parasites is one of their perils, and my dog tested positive for parasites.... however, I guess that doesn't count.

I firmly beleive they never intend to ever pay any claims.

DON'T WASTE YOUR MONEY!
Comments [ 0 ]
Submitted by: Lincoln's Dad
32 year-old   ::   Male Reviewer   ::   Chicago

Date Submitted: November 25, 2009
Pet Insurer: ShelterCare Pet Insurance
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 1 out of 10
Recommend: No
Review: Worst... Customer service.... ever!!!!
I've had their insurance for 2 years and got the renewal for a 3rd year stating that the premium was going up 75%. I called and canceled it. Two weeks later, I found that they had charged my expired credit card for the 3rd year. My wife called them back and the customer "service" rep yelled at her about how we were going to kill our dog if we didn't keep the insurance and that she should get a new policy for herself and keep it a secret from me.

Do not get this insurance unless you want a lot of headaches.

Comments [ 1 ]
Submitted by: churoval
39 year-old   ::   Male Reviewer   ::   Phoenix

Date Submitted: July 27, 2009
Pet Insurer: ShelterCare Pet Insurance
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 1 out of 10
Recommend: No
Review: The Worst Customer Service Experience of my Life
I have spent over 6 hours of my life (mostly on hold) dealing with representatives who are only skilled at lying and pushing my buttons. My puppy became sick 1 week after I adopted him and, despite being insured through ShelterCare, I was left footing over $1200 in vet bills. He was hospitalized on 6/12 and taken back to emergency on 6/14. ShelterCare, according to their terms, should have covered roundworms (the diagnosis), but instead found every way possible to delay/deny processing our claims. Aside from the time spent on hold, ShelterCare also sent me on several 45 minute round trips to the vet to get more paperwork. I was told by "supervisors" both verbally and in writing that out claims would be expedited within 24 hours. Expedite= 1 month of run-a-round. The only prompt derpartment with ShelterCare is the sales department. I have since cancelled my policy and will never purchase anything from them again.
Comments [ 0 ]
Submitted by: k_ro
26 year-old   ::   Female Reviewer   ::   IL

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