| 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 |
| Submitted by: | Lee 26 year-old :: Male Reviewer :: Combined Locks WI |
1 comments for this review
| Comment by: Eric K From: Dix Hills NY August 13th, 2010 |
Check out trupanionpetinsurance.com. no comparison. great rates, pay 90% of actual bill, all meds, er, sugeries, testing and more.... covers all hereditary and congenital as well. great customer service. I got my check back in 3 days! |
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