Latest Reviews for Pet Insurance |
| Date Submitted: | January 23, 2012 |
| 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: | Complete Scam Do not trust this company .If you adopted a pet and they offer you a pet insurance,it sounds grate,but after you bay it everything goes wrong,do not expect any money from them.Complete scam.I just cancel it. Comments [ 0 ] |
| Submitted by: | Jenny 49 year-old :: Female Reviewer :: Largo |
| Date Submitted: | October 18, 2011 |
| Pet Insurer: | ShelterCare Pet Insurance |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 5 out of 10 |
| Cost: | 5 out of 10 |
| Recommend: | No |
| Review: | Gift of insurance is a joke Took them up on the "Gift of Insurance". What a scam! Was supposed to cover shelter related illnesses but when I filed a claim they rejected everything for "prior condition". I had even upgraded to a pay policy with them. I then tried to get my money back and was told no. Comments [ 0 ] |
| Submitted by: | Tony 38 year-old :: Male Reviewer :: nampa, Idaho |
| Date Submitted: | September 6, 2011 |
| Pet Insurer: | ShelterCare Pet Insurance |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 7 out of 10 |
| Recommend: | No |
| Review: | RIP OFF - NO orTerrible Customer Service We have spent 4 months - trying to get reimbursed for a claim! After being in the health care business & running companies for many years - DO NOT BUY this insurance. Its a total RIP_OFF! Comments [ 0 ] |
| Submitted by: | Dog lover 58 year-old :: Male Reviewer :: Greenville, SC |
| Date Submitted: | August 31, 2011 |
| 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: | Stay away I got a dog at a shelter and I was told that I would received an email from this company to enroll. I never received the enrollment email, but they did send ADs, and other junk email. Of course when I finally was able to get in touch with them the 72 hours had expired. It seems to me to be a shady company!!!! Comments [ 2 ] |
| Submitted by: | Frank from MKE 47 year-old :: Male Reviewer :: Milwaukee |
| Date Submitted: | August 10, 2011 |
| Pet Insurer: | Pets Best |
| Coverage: | 5 out of 10 |
| Claims: | 3 out of 10 |
| Customer Service: | 5 out of 10 |
| Cost: | 7 out of 10 |
| Recommend: | No |
| Review: | Average Insurance I obtained PETSBEST insurance based on my vet’s recommendation, as he was pushing the fact that you get an 80% reimbursement. I decided to buy it and use it for big ticket emergencies and didn’t submit a claim until I had paid 2 years worth or premiums at about $50 a month. My dog finally had an accident and I decided that I may as well finally recoop some of the money I’ve paid out – so I filed a claim expecting about $375 back. I’ve paid in 2 years near 2k and haven’t had anything to show for it so I thought “what the heck.” The claim I submitted was rather low compared to other reviews I see for much higher claims and certainly they still retain a healthy profit from me after paying my low claim. What I didn’t appreciate was that I read many reviews online stating that certain people were paid within a week..it wasn’t until about Day 7 I got an email from them stating that they had decided to get my pet’s medical records. There was NO reason for this. My receipts and documentation were as clear as day, and there was absolutely no information they received that would supplement my claim, that would possibly give them any more information than what they already had. In fact, had they done this for reasons claimed “they want to ensure they pay a fair reimbursement to policyholders” was their reasoning – I should have been paid MORE, because I had been to the vet a few times since my pet’s accident about the same issue to monitor progress and to see how much time I had to fix the problem, what the options were, etc. My pet was put on antibiotics for this very early in the game “in case” she had an infection, so the morale of the story is, if they really sought after my pet’s medical records for this reason, my reimbursement is MUCH LOWER THAN IT SHOULD BE. But, they did not do it for this reason, rather, they took the opportunity to dig into my business and find out my pet’s history for visits unclaimed to use against me when my renewal comes up. I am sure to try and raise my rate in the future. The larger part of why I am angry is that the reason I don’t file claims with my vet is because I DO NOT WANT MY VET KNOWING THAT I HAVE PET INSURANCE UNTIL ABSOLUTELY NECESSARY. Vets are rip-offs anyway, but if they get a handle on the fact you are insured, you may as well have an IRA or CD at a bank to pay for what’s coming because I bet my rates get raised. It’s sort of the GREEN LIGHT TO VETS that they can rack up charges with the idea that you are reimbursed anyway. Some of us purchase pet insurance for EMERGENCIES and do not nickel and dime insurance companies even though it’s within our right to do so….It was far more sensible to me to NOT file claims for every vet trip or previous vet trips I had in order to keep my rate down, which is LOGICAL because if you are a paying consumer with NO CLAIMS, the company is lucky to get your business. My entire purpose in getting insurance was to have it in the rare instance my dog has some catastrophic event or emergency that costs thousands of dollars, which is a gamble on my end, but worth the peace of mind. This was an accident and being that my dog is a senior now, I decided that after 2 years with this company, a $300-$400 claim was far below what I’ve paid out, therefore, justified. I would hate to pay a company $50 a month for the rest of my dog’s life and get NOTHING BACK, and the probability in my case is that I will spend more money in premiums than claims filed because my dog is well cared for and isn’t prone to many things most dogs are prone to. What’s interesting is that the Explanation of Benefits shows a lower amount for the office visit than what is on my actual receipt from the vet so I am not sure why they lowered what was on my receipt. This is ridiculous. I then have some explanation that my pet’s accident is “due to periodontal disease” which is NOT THE CASE AT ALL. Where they arrived at this, I have no idea because my dog had a broken tooth and her teeth are in such great condition she hasn’t needed any fluoride treatments in over a decade. Her teeth are near perfect. ALL DOGS HAVE YELLOWED CANINES. My vet only decided to scale 2 canine teeth SIMPLY BECAUSE SHE WAS ALREADY PUT UNDER (being that my dog has NEVER had her teeth cleaned previously due to the risks of anesthesia), which was a very minimal charge on my overall bill, and the fact this was listed on the Explanation of Benefits when it had nothing to do with my claim is ridiculous as well. It’s another game they play to make my pet’s file look bad when indeed, this is B.S. In addition, my reimbursement is about $50 less than it should be. I WORK and I do not have time to keep calling these people about this so I will take it with a grain of salt and will move on somewhere else. I don’t understand what these companies think people will do…this is how they lose business. Somehow, to them, it’s worth screwing me over $50 which is my MONTHLY PREMIUM ANYWAY, to lose my business…many more months of $50 for them. HUH? I can understand them not paying for the $35 scaling of TWO TEETH, but the mere fact that the entire Explanation of Benefits points to this is not right. IT IS A SEPARATE MATTER AND NOT THE REASON FOR THE CLAIM. No history of my pet’s file ultimately gave them any more information that benefitted me. As I say, if they were interested in being so “fair,” they should have paid the rest of the bills for the antibiotics and the exams to monitor the tooth’s progress. In my case, my vet wanted to wait it out a little while because of a possible infection and also she wasn’t sure if the tooth could be saved, etc. I omitted these visits in my claim. My claim was simply for the procedure itself and the blood work which was mandatory. I was the “fair” one by NOT submitting EVERY RECEIPT RELATED TO THIS PROBLEM. Also, they claim that they do a direct deposit the next day – well, no sign of any payment yet and it’s been a few days. They always blame the bank, but my bank ALWAYS processes these deposits overnight after 12:00 a..m, so it should have been in my account by now. They claim fast payouts, but I don’t deem 10 days as fast being that they receive your documentation instantaneously the say you submit it electronically and acknowledge receipt within 2 hours. As far as the “excellent” customer service, sure, if you call this small town company, you get a friendly voice but friendly and helpful are two different things. I was referred to check my status online when I initially called about my claim, which is VAGUE and I already told the woman I did this and there had been no change to my status online since the paperwork went through – after 7-8 days, they should have SOMETHING in their computers as far as where you are in the process if they claim it takes UP TO 10 DAYS. So, I am pretty much banking on some increase when the renewal comes due in a few months merely because they sought after my pet’s complete history (mind you, since I got the policy – because I WAS UPFRONT ABOUT HER PAST BEFORE I GOT THE POLICY WHICH IS ALL THEY NEEDED TO KNOW), which is irrelevant to my accident claim. I have already lined up another company with much better payouts and co-pay options at pretty much the same annual/lifetime maximums. So, if this is what they think is happening with me – they can think again. I am NOT paying a much higher premium at this company because they have so many stipulations compared to other companies like PETPLAN, which isn’t worth having that added worry about what stunt they will pull next to get more money out of you. The mere fact my vet now knows UNECCESSARILY that I have insurance screws me over going forward anyway. If they hadn’t pulled this stunt, I would have kept them, regardless of the lower reimbursement but this takes the cake. I think I am going to Pet Plan where you can choose your deductible and customize your own plan. Add to that they don’t have the b.s. stipulations as PetsBest and they do cover many pre-existing conditions as well, unlike PetsBest. Note that PetsBest is actually AETNA, and for humans, AETNA SUCKS. I have AETNA myself and can find no English-speaking doctors. In summary, if you want your vet to find out that you have insurance resulting in a lifetime penalty (higher bills and unneeded services), this company is for you. Christ. Now, I ‘m sure I will have to file claims due to their stupidity. Comments [ 0 ] |
| Submitted by: | Irritated 45 year-old :: Male Reviewer :: California |
| Date Submitted: | July 20, 2011 |
| 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: | Sheltercare SUCKS!!! I never received an email to enroll so I called about my coverage. After 2 weeks they never even called me back. Comments [ 0 ] |
| Submitted by: | Howard 53 year-old :: Male Reviewer :: san francisco |
| Date Submitted: | July 13, 2011 |
| Pet Insurer: | ShelterCare Pet Insurance |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 5 out of 10 |
| Recommend: | No |
| Review: | Terrible Terrible Terrible We adopted a dog who within the first week of having him, suffered from pneumonia and had to be hospitalized. He has since been back to the vet 2 times (worms, other antibiotics were not working). I have mailed, faxed, called about, and emailed claims, none of which they will respond to. I sat on hold before even talking to someone for 20 minutes. Then, I ask my boyfriend to call, and he gets through after waiting 30 minutes, and they tell him they have no record of my claim on file, and to fax it. He verified the fax number, and the address, to which they said it was correct. Do not go with this company. Terrible terrible terrible! Comments [ 0 ] |
| Submitted by: | Rachel 25 year-old :: Female Reviewer :: Chicago |
| Date Submitted: | June 27, 2011 |
| Pet Insurer: | ShelterCare Pet Insurance |
| Coverage: | 3 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 2 out of 10 |
| Recommend: | No |
| Review: | Customer Service I recently adopted a pet cat from the shelter. They did tell me about the free gift insurance for 30 days, and that the company ShelterCare would likely promote upgrades and extended coverage etc. I called to activate the policy and the guy on the phone was extremely rude! I would not recommend this coverage to anyone based off of his poor customer service. Simply because I opted out of an upgrade with this company, he was extremely rude, and guilting tactics are not effective when your mind is decided. Please, it may be acceptable as free gift insurance but anything else gets the wrap! Comments [ 0 ] |
| Submitted by: | Jen 23 year-old :: Female Reviewer :: Columbia, SC |
| Date Submitted: | April 14, 2011 |
| 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: | another dis-satisfied customer --ripped off We adopted an older scotty from Last Chance Ranch. We were given a "free policy" We opted to add coverage to cover our animal past the trial period. Worst mistake I ever made. The dog was diagnosed with cushings disease a couple of weeks after we adopted the dog. We filed the claim. Now we are told that the Chushings is not a covered illness. There were other issues with the animal our vet diagnosed. Shelter Care refused to pay any of the claims because as far as they were concerned, when we adopted the dog, these were all pre-existing conditions. So far, I have spent nearly $1500 in treatment of this animal and not one dime will be reimbursed. We then attempted to cancel the "chip policy" and were told we could not cancel it until it expires next year. It has only been issued one month ago, why can't we cancel it and get our money back. This company is nothing more than a scam to take in money and not pay out one dime. Maybe we all should get together and file a class action suit against them? Comments [ 1 ] |
| Submitted by: | Don Magaw 66 year-old :: Male Reviewer :: Neptune, NJ |
| Date Submitted: | March 31, 2011 |
| Pet Insurer: | Trupanion |
| Coverage: | 1 out of 10 |
| Claims: | 2 out of 10 |
| Customer Service: | 6 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | All about finding a loophole in your claim! I have a little pomeranian puppy who has an open fontanel. The Trupanion representative said that it didnt matter and that he would be covered by the pet insurance. He also developed bronchitus a few days after signing up for the insurance. The doctors original checkup notes stated that his eyes were watery. My little pomeranian started having siezures a few weeks later and has required a trip to the neurologist and a prescription of phenbarbital. Last week I submitted my claims to trupanion. The ones for the siezures and the ones for the bronchitus checkups. They will not cover any of the bills. They claim now that an open fontanel is a pre-condition for siezures and the watery eyes noted by the doctor indicated that bronchitus was develping and therefore also fell under the pre-existing condition category. They did however want to reimburse me for coccidia medication, even though their contract specificly states that they do not cover parasitic infectons. Im up to $2k in vet bills and up until this point had been sleeping a little easier thinking trupanion had me covered. But all they want to help me with is a $12 deworming medication after paying them $50 a month for coverage. My advice is DO NOT BOTHER WITH THEM! They are all about the business(playing lawyer) and have little interest in providing excellence in customer service to their policy holders. Andrew and Puppy Ewok Comments [ 0 ] |
| Submitted by: | Andrew Mahr 20 year-old :: Male Reviewer :: Dallas tx |
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