Archive for the ‘Pets’ category

DO NOT PURCHASE THE ASPCA PETS HEALTH INSURANCE POLICY!!!!!

February 8, 2010

I HIGHLY Recommend purchasing a Health Insurance Policy for your Pet, BUT DO NOT PURCHASE THE INSURANCE POLICY THAT THE ASPCA OFFERS WHICH IS CALLED PETS HEALTH INSURANCE!!!

The reason is due to their 180 Day Clause, which is one of the most Disgusting Clauses ever to be drawn up in an Insurance Policy, Pet or Human!!!!

Below is an Exerpt which I C&P, which explains this Clause Very Thoroughly and what it means for You and Your Beloved Pet >>>

“I WANT TO LET EVERYONE KNOW ABOUT A SERIOUS AND UNCONSCIONABLE FLAW IN THE ASPCA PET HEALTH INSURANCE PLANS With ASPCA, you renew your plan on a yearly basis. This  yearly renewal is inconvenient but not, in itself, a problem. Here’s the very serious problem.

ANY CONDITION THAT EXISTED DURING THE PRIOR PLAN PERIOD IS CONSIDERED A PRE-EXISTING CONDITION!

THE ABOVE APPLIES TO NOT JUST NEW POLICIES BUT POLICY RENEWALS!!!!!!

What are the implications? Consider the following situation:
* Your dog is diagnosed with a serious cancer on a Monday and you schedule your dog for costly, major surgery on Thursday.
* You submit the ASPCA insurance claim on Tuesday.
* Your ASPCA plan is set for renewal on Wednesday.
* Your dog undergoes surgery on Thursday.
* You submit the ASPCA insurance claim for the surgery on Friday.

Guess what? YOUR CLAIM WILL BE DENIED!

Please let this sink in.

ANY CONDITION, NO MATTER HOW SERIOUS, THAT EXISTED EVEN 1 DAY PRIOR TO RENEWAL WILL NOT BE COVERED. This also implies that any condition that lasts, in any form, more than a year, will not be covered for the condition’s duration.

I talked to a customer service supervisor about this (their customer service is generally very good, BTW) and they acknowledged that it’s a real problem, citing examples of major, heartbreaking claims that were not covered because they spanned the renewal date.

What ASPCA will tell you is that they have a plan, the Sterling Plan, that covers “long-term” conditions (now remember, according to the example above, LONG TERM COULD ACTUALLY BE 4 DAYS). What they won’t emphasize is the following:
* The Sterling Plan is by far their most expensive plan. It is almost 50% more than their next most expensive plan, the Premier Plan, which is what I have.
* The Sterling Plan has a maximum PER INCIDENT (NOT per visit) benefit of $2500, which is HALF of the maximum incident benefit for the Premier Plan. This means that any condition, NO MATTER HOW SERIOUS, will not be covered past $2500. So, if you thought you could sign up for the Sterling Plan to deal with a catastrophic care situation—think again: $2,500 doesn’t go very far when it comes to things like cancer.”

DO NOT PURCHASE A POLICY FROM THE ASPCA!!! FOR YOUR BELOVED PET!!!!!

 

I HIGHLY RECOMMEND VPI PET INSURANCE AS THEY DO NOT HAVE THE SADISTIC 180 DAY EXCEPTION CLAUSE!!!!