"Before you diagnose yourself with depression or low self-esteem, first make sure that you're not, in fact, just surrounded by a**holes" -William Gibson
Just filed a claim for a csection and got reimbursed, no problem. More than worth the premiums to me, have had no issues with Petplan over the years and I continue to recommend my buyers get insurance.
Kim Pfister, Rainmaker Labs
The claim form is very minimal for completion by the vet. As long as the records sent along with the form are complete, I haven't had issues. When there's something missing in the records, Petplan emails me and tells what the lack is and I let the vet know to send whatever they missed. Compared to the rigamarole with human health insurance, for even the simplest appointment, the last one I swear took 6 phone calls for one in-office visit, Petplan has not been a problem for me or my vet. I also haven't had to use it for anything out of the ordinary or had a ton of claims, so, maybe I've just been lucky, but whatever, it's been well worth it financially for me.
Last edited by Rainmaker; 02-18-2013 at 07:04 AM.
Kim Pfister, Rainmaker Labs
Thank you for the insight.
"I love the rod and gun and where they take me."
I am getting the "pre-existing condition" runaround right now for a bacterial infection that unfortunately occurred twice - once before I got the policy (and was treated and cleared up) and one after (of course, also treated and cleared up).
I am an attorney, so i realize that most "insurance problems" stem from a failure to read the policy and know what is covered and what is not, along with timing things as another poster pointed out. That said, I think my problem has a little to do with what my vet sent and a lot to do with PetPlan.
But I feel the bum rap we do get is when expectations are unreasonable. Some folks think their policy covers everything and of course it doesn't. Not every policy covers the same exposure but if someone hears that a claim for someone else was covered they expect the same, but their policy may and probably is not the same. Also adjusters can only go with the information they are presented and the quality of first notice is important. Information that changes after a denial raises flags and creates skepticism. We all pay for folks trying to scam the system. At one point one of the fast growing functions within the Ins. industry was fraud investigators.
Were like the oil companies in that were an easy target and as I said I recognize we certainly earned some of the negative perceptions. As for my organization and some others, we make money by not denying claims, but paying the claims were supposed to promptly. We make money through spread of risk; selling to a broad range of customers knowing some will use the coverage and have claims while other wont. In the end we add it all up, pay our expenses and if we make 1 or 2 cents on the dollar we call it a good year. (i put on my kevlar boxers and let the flaming begin)
The best advice I can make for any insurance purchase is to do your homework first, make sure you know your policy coverages, what is required to present claims (the process), work closely with your vet and if needed guid them through the process and claims submissions. If you still have a problem where you think your wronged and have exhausted efforts with the provider; take your documentation to the state agencies overseeing consumer affairs, insurance and banking, and or state attorney generals.
Hey us insurance folks are humans too, if you prick us do we not bleed ???
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