Posted tagged ‘ASPCA’

THE ASPCA GETS 10% BACK FROM ALL PREMIUMS PAID TO THEIR ABOMINABLE PETSHEALTH CARE INSURANCE PLANS!!!

September 3, 2010

While this would seem to be ok, and I am all for the ASPCA and their admirable work they do on behalf of those who cannot speak for themselves, it appears that this may be one of the reasons that the Hartville Group, the company chosen by The ASPCA to execute all claims, to not pay out on any and all claims. They are supposed to pay 80% after deductible, but on average, they pay 24%. Just look around on the Web, and you will see all the sad stories regarding this Despicable Pet insurance Plan. It is utterly Disgraceful the way that >>

1) The Hartville Group runs this Pet insurance Plan

2) That the ASPCA allows the despicable behavior on the part of the Hartville Group to continue, regarding the lies, broken promises, and the Genuine lack of concern for your beloved pets when it comes to covering them under the Policy that you purchased.

The hartford Group will twist and turn and Manipulate all claims, so that they fall under their over 30 Exclusions. They will say a procedure was done, contrary to the reason the Vet ordered the Procedure!!

The ASPCA (regarding their Abominable Pet insurance) and the Hartville Group are a disgrace, especially the weasel over at the Hartville Group named JAMES……..

ASPCA PETSHEALTH CARE PLAN INSURANCE WARNING!!!!!

September 1, 2010

Stay as far away from this Pet Insurance Company as possible, before it is too late.

Read this from the policy >>

Once you have paid the deductible, you share a part of each claim with us. This is referred to as your
co-payment. We will pay eighty (80) percent of reasonable costs for each covered claim up to the limit of
liability. Your share will be twenty (20) percent of each covered claim.

The above is incorrect, as they pay only 20% of your claim, and you pay 80% after your deductible.

This has been my experience, as well as many other clients who have the ASPCA Pet Insurance. There are so many exclusions in this policy, that about the only thing you will be covered for is Accidental Injury, that is, if it occurs early in your Plan Period. If the Accident or Illness occurs 1 day before your policy Renews, You Will NOT Be COVERED!!!! You read that right.

While the ASPCA is an Admirable Organization, their Pet Insurance Coverage is Abominable. Do Not Buy Any Pet Insurance where you see the name ASPCA attached to it, or Petshealth Care Plans, or any Pet Insurance from Canton, Ohio, or Hartville Pet insurance. This Plan goes under many names. In fact, I spoke to a Puppet of Hartville Pet Insurance named James, who said that the ASPCA is not really affiliated with the Petshealth Care Insurance Plan. Yet, the ASPCA name is plastered all over the Websites, as well as on the Claim Forms. This guy james is a real TOOL, talking to you softly, like he gives a shit,  all the while cursing you under his breath, and not sending emails as Promised. This Asshole is a real fucking Schmuck!!! and hopefully you will never have to speak to this Worm!!! This Idiot called me up on the day I buried my beloved, to let me know that my Appeal was Denied. I told him that my special girl would not be a Burden to his Damned insurance company anymore!! This Pet Insurance is DISGUSTING!!!!

Shop elsewhere for an Insurance Plan for your Beloved Family members, before you find yourself and your Beloved not covered under this Dreadful Pet insurance Plan. This Company does NOT care at all about the Welfare of your Family Members, and only cares about their  Bottom line.

Contact me for the particulars through this post regarding any info you need to see why ASDPCA Petshealth Care Plans are not the right choice. This Company nickels and Dimes your claim, until they end up paying you Pennies on your Dollars. This Company has this strangely down to a science.They will take almost 2 months to settle your claim and receive  your Pennies, BUT they will take ONLY 2 days to Deny your Appeal!!!

BEWARE OF ANY PET INSURANCE PLANS WITH THE NAMES ASPCA, PETSHEALTH CARE INSURANCE PLANS, HARTVILLE PET INSURANCE, ETC. ATTACHED TO THEM BEFORE ITS TOO LATE!!!!!!

SEARCH THE WEB FOR UNLIMITED HORROR STORIES!!!!!!!!!!!!!!!!! While almost every insurance company will have some sad stories, and unhappy customers, The ASPCA Insurance Company has Many, Many more sad and terrible stories. The ASPCA should Disassociate themselves from this Horrible Pet insurance Company (if they are lending their name to this Pet Insurance Company) because The Hartville Grp stands for the Opposite of what the ASPCA stands for regarding the Welfare of Animals. At one end of the Spectrum, the ASPCA is there to Protect Animals, and at the other end, This Insurance Company is there to make sure that you will receive the least amount of Coverage for your Pets, as they are NOT concerned about the Welfare of your pets, as their 180 Day Pre-Existing Condition Clause upon Renewal proves, as well as their Many Exclusions.

If this Insurance Company was created by The ASPCA, The ASPCA should be ashamed of themselves.

WARNING: BEWARE OF ASPCA HEALTH INSURANCE PLAN FOR YOUR PETS!!!

August 22, 2010

ASPCA Petshealth Plan Care Insurance is one of the Worst Pet Insurance Plan you can ever have to Cover your Beloved Pets!!!

I just read their Website and saw this >>

‘Like most pet insurance, our base protection limits coverage for long-term or chronic conditions to keep premiums lower. However, you can get extra protection for what we call ongoing conditions with our inexpensive Continuing Care coverage option.’

This is Absolutely False!! VPI, Trupanion, Pets Best, etc. DO NOT HAVE THIS LIMITATION!! In addition, this Continuing Coverage Add-On will cost you Hundreds of dollars more, in addition to your Base Premium, over the years, BUT it will only add $1000-$1500 more Coverage over the Lifetime of your Beloved Pet. This additional coverage, while better than nothing, in most cases, won’t even be enough coverage for your Beloved. Anyway, why would anyone pay for this Additional Minimal Coverage, while with other Companies, you would be Covered under the Base Premium Coverage. This is Ludicrous, and it is a Wonder that Anyone would even Purchase a Policy like the one from the ASPCA, for themselves and their Pets. The ASPCA does great work regarding Animals, BUT their Petshealth Care Insurance Plans are a DISGRACE, and do much to Tarnish the Name of the ASPCA………….

ASPCA Petshealth Plan Insurance Plans seems to have updated the look of their Website, BUT The Message is still the same. They DO NOT cover your Pet for when they need Coverage the Most.

In addition, they have a 180 Day Pre-Existing Clause, which is also applicable UPON RENEWAL, in their Policy. This could be a possible Death Sentence for your pet, unless you can dig into your pockets to find the needed cash to continue coverage. But wait, I thought that is what Pet Insurance is for????? But ASPCA doesn’t think so…. For example………..Your beloved Dog suffers a broken leg from an accident, on May 31, BUT your Renewal Period starts on June 1, Guess what, The ASPCA Petshealth Insurance you paid for, WILL NOT COVER YOUR BELOVED DOG, BECAUSE THEY CALL THIS A PRE-EXISTING CONDITION UPON RENEWAL!!!!

ASPCA Petshealth Plan Care Insurance says that All other Companies do the Same Thing?? BULLSHIT!!!!!

Warning: Stay as far away from ASPCA Petshealth Care Plan Insurance as you can. Pick a Company that does not have this 180 Day Pre-Existing Clause in their Policy, Which is Applicable to ANY Renewal Period!! It won’t be hard to do, Because NONE of the other Pet insurance Companies have this Exception written into their Policies…..

ASPCA PETSHEALTH CARE INSURANCE IS A DISGRACE!!!!!

August 20, 2010

If you care for your Loved Ones, DON”T purchase this Insurance. You will be doing your Pets a Great injustice!!

This Company cares more about their Bottom Line than your Beloved Pets!! You will get paid Pennies on your Dollars, when you submit a Claim. They have a 180 Day Pre-existing condition Clause which is Abominable. For example, your pet gets sick on March 31, and your Renewal begins on April 1, Guess What?? The ASPCA Petshealth Insurance Plan WON’T COVER YOUR BELOVED PET, because they call this a Pre-Existing Condition!!!! That is just Plain Fucked Up!!

Besides that, this Company will Nickel & Dime your Claim to the point where you will end up getting pennies on every dollar claimed. They are a DISGRACE!!! They will Delay and Delay your Payments, where you will be Lucky if you get your Pennies in 2 Months!! But what’s the difference, they will pay you next to nothing anyway.

The above is NOT the Exception BUT The Rule!! Just take a look around the Web and read the Horror Stories.

PETSHEALTH CARE PLAN (ASPCA PET INSURANCE) SPECIAL EXCEPTION CLAUSE!!!!!

August 11, 2010

Petshealth Care Insurance Plan is Hiding something. Why is this?? Maybe because they know that if potential Customers knew about the following EXCEPTION, no one would buy their Pet Insurance for their Loved Ones!!!

Read this statement that is written into all new policies >> (This Exception has been in existence for years, BUT clarified of recent)

Keep in mind that our pet insurance does not cover pre-existing conditions. Also,
illnesses or injuries that occurred in the previous plan period will not be covered in the
next plan period, unless 180 days have passed since cure and last treatment.**

Especially this part of the above >>

‘Also,
illnesses or injuries that occurred in the previous plan period will not be covered in the
next plan period, unless 180 days have passed since cure and last treatment.’

I have read their Website and cannot find this EXCEPTION written anywhere. It may be there, but it is not easy to find. There must be a reason, as stated above, that Petshealth Care Insurance is ‘HIDING’ THIS EXCEPTION!!’

Btw, this ‘ABSURD EXCEPTION’ is on their Declaration Page of your policy, once you purchase their Pet Insurance….. It has never been on the Declaration Page until recently.

PLEASE READ THE ABOVE EXCEPTION AGAIN, BECAUSE IT IS TRUE, AND STRICTLY ENFORCED. STAY FAR AWAY FROM THIS INSURANCE COMPANY, IF YOU CARE AT ALL ABOUT YOUR BELOVED FAMILY MEMBERS!!!!!








BEAWARE OF PETSHEALTH CARE PLAN (ASPCA PET INSURANCE)

August 11, 2010

Read this statement that is written into all new policies >>

Keep in mind that our pet insurance does not cover pre-existing conditions. Also,
illnesses or injuries that occurred in the previous plan period will not be covered in the
next plan period, unless 180 days have passed since cure and last treatment.**

What this means is this >>

If your policy period is from May 1, 2010 – May 1, 2011, and your beloved Pet gets sick on April 30, 2011,ASPCA Petshealth Care Plan WILL NOT COVER YOUR BELOVED PET UPON YOUR RENEWAL, UNLESS THE CONDITION YOUR BELOVED PET IS BEING TREATED FOR (IN THIS CASE, 1 DAY!!) HAS BEEN GONE FOR 180 DAYS!!!!!!!!!!!!!!!!!

The problem with this EXCLUSION RULE is obvious. The other problem is that ASPCA Petshealth never made this clear in previous policies. They would mention the 180 day exclusion rule, BUT they left out this part >>

‘Also, illnesses or injuries that occurred in the previous plan period will not be covered in the
next plan period, unless 180 days have passed since cure and last treatment.’

I have been a customer for over 10 years, and just found out about this recently, because the policy was ambiguous when it came to this Exclusion Rule. From what I understand, an Insurance Policy has to be clear and concise in the way it is worded, and easy to understand, which obviously, Petshealth Plan Insurance written policy was not, until recently.

There are 2 issues here >>

1) For new Customers and/or prospective Customers, you would be better off searching around for other Pet Insurance Policies to protect your beloved pet. Stay far away from Petshealth Plan Insurance. Just read the Web, and you will see all of the Sad Stories from Pet owners and their Beloved Family Members. This type of Exclusion Rule is Absurd, and anyone thinking of buying a Policy from this Company should think again.

2) For Existing customers, Petshealth Insurance plan has done an Injustice to them. Including their long-term Customers who have been purchasing their insurance Policies for over 10 years. I say this because Petshealth was never clear on The 180 day Exception Policy regarding Renewal. For some Customers, it is a Death Sentence for their Loved ones, because these Customers Cannot switch Pet Insurance Companies, due to the Age of their Loved Ones.

NO OTHER PET INSURANCE COMPANY HAS THIS DANGEROUS EXCLUSION RULE, AND I HAVE RESEARCHED MANY OF THEM. These other companies may have other issues, such as pre-existing conditions, wellness care, etc. BUT none have the 180 Renewal Exclusion.

While the ASPCA is an exemplary Organization, and does tremendous good,  their Petshealth Insurance Plan is a DISGRACE, and the ASPCA should be ashamed of themselves, and I can only hope that this Company changes its 180 Day Exclusion Rule, and if they don’t, that  a Class Action Lawsuit ensues.

Btw, another problem with this Company is that they will prolong payment as long as they can, which can take nearly 2 months, and they will nickel and dime your claim to the point where they will be paying pennies on your claim. Yet when you file an appeal, that process takes only 2 days! Investigate the web for yourselves , and see the horrendous issues created by Petshealth Insurance Plan.

So in Closing, STAY FAR AWAY FROM PETSHEALTH CARE INSURANCE PLANS!! AND STAY AWAY FROM THE IMBECILES AT HARTVILLE GROUP WHO RUN THE INSURANCE COMPANY FOR THE ASPCA.

I wonder if the ASPCA knows what is going on by the people they put in charge of their ASPCA Insurance?? I am trying to contact the hartville group and the ASPCA, but it appears they are ignoring my emails.


NYPD HORSE COP, CAPTAIN BARRY GELBMAN KILLED 3 HORSES FOR NO REASON!!!!

April 13, 2010

This Asshole NYPD Cop, Captain Barry Gelbman had 3 horses put down because they couldn’t make the long trip in a Horse Truck, due to Sores on their Legs. Sores!!!!!……………so this asshole Cop has the Horses Killed. The representative from the ASPCA stood there in Horror while this piece of Shit Cop gave the Order to have these Horses Killed. All because of a Sore. In time, the sores would have healed. The horses had a Good 10 years of life left. But what does this asshole cop due to thank these Horses for their Service to the NYPD serving Assholes like Captain Barry Gelbman? He has them Killed………

He could have given them time to heal and then transport them. He could have adopted them out. But no, this piece of shit has them Killed…This cop should be brought up on charges…………..

If this Asshole has a Family, and maybe they have Pets, I hope they are ripping this Punk a new Asshole!!!!

This is an NYPD Cop who has no problem issuing orders that cause the Death of Living Creatures. He can give an Order  that involves the  killing of Innocent people just as easily as he gave this Order. The NYPD should consult their Shrinks to see the Whole Picture of what this Event Really Means!!! If this Cop gives an Order that Kills Innocent Citizens, The NYPD and the City will have a huge lawsuit on their Hands, besides blood which they could have avoided.

This cop, Captain Barry Gelbman most likely suffers from Penis Envy, due to the Horses being more of a Man than Captain Gelbman. Gelbman most likely never made a Bad Guy Collar in his life, and the majority of his arrests were probably of people pissing in the streets, or drinking a Beer out of a brown bag. So he figures it is time to show the NYPD what a Man he is, by giving the Order to Kill Innocent Horses for No Fucking Reason!!!!

This idiot, who is Head of the NYPD’s Mounted Unit, thinks he is God, who can dish out Death Warrants to the Horses that serve his unit, when there is Absolutley no need for it. This is a Cop that we want on the Streets to serve the Citizens of NYC? We all know what type of people get off on killing innocent animals, don’t we? These are people who end up Torturing Animals, Killing Animals, Torturing People and Killing People. It is a Proven fact. The fact that this Asshole does it behind a Badge and a Gun, does not change the fact that this Guy has Sadistic Tendencies, and should be checked out by the Shrinks in the NYPD, and most likely bounced from the Force, if it is Found that Captain Barry Gelbman is Not Fit for Duty!!! This Cop’s record should also be checked, to see if there are any complaints, or any other issues that should be investigated.

This Cop, Captain Barry Gelbman is a Bad Cop, and this incident is most likely just the tip of the Iceberg!!!!!!!!!!!!!!!!!!!

Mayor Michael Bloomberg had a News Conference the other day regarding his contributions to Animal Care & Control Bureau of NYC and his helping out Animals in need. NYC is a Leader when it comes to the Care of its Beloved Pets, and the Law Enforcement regarding Animal Cruelty. Bloomberg should look at what Captain Barry Gelbmnan did and do something about it. But that is Doubtful, since Bloomberg and Police Commissioner Kelly are Buddy, Buddy.

Captain Barry Gelbman should be investigated, and this incident should not be let go.

PETA should get involved, as well as The ASPCA, regarding investigations into this matter, and to put pressure on NYC to start their own Investigation…………

RIP to these 3 Fine Horses Who Served Well, and Died too Soon……………………….

I see that this Asshole Cop has been called on the carpet by NYPD Brass. I hope an Early Retirement is Forthcoming for this PunkAss Cop who Kills Other living Creatures for No Reason!!!! And who SHOULDN’T BE ALLOWED TO CARRY A GUN!!!! AS HE IS MENTALLY UNFIT!!!! In addition, I hope he Faces Charges of Animal Cruelty before he is Dismissed from the Force.

MARIA AGUILAR IS A FUCKING PIECE OF SHIT!!!!

March 8, 2010

THIS PIECE OF SHIT >>

ABUSED THIS POOR 11 MONTH OLD BULLDOG!!!   THIS MONSTER HAS BEEN ARRESTED ON CHARGES OF ANIMAL CRUELTY!!!

A NEIGHBOR TOOK A VIDEO OF THIS PIECE OF HUMAN EXCREMENT THROWING THE BULLDOG AGAINST AN IRON FENCE, AND STABBING THE POOR DOG OVER THE HEAD WITH THE EDGE OF A SHOVEL. THE DOG IS SCREAMING IN PAIN!!!! THIS ASSHOLE THEN IS OUT OF VIEW OF THE CAMERA, AND THE DOG IS HEARD SCREAMING!!! WE CAN ONLY IMAGINE WHAT ELSE THIS POOR DOG HAS ENDURED OVER HIS 11 MONTH OLD YOUNG LIFE!!!

THE SON GOES ON  A NEWS CAMERA AND HAS A SLIP OF THE TONGUE, AND SAYS “IT’S ONLY A DOG.”

WELL, YOUR FUCKING ASSHOLE MOM WILL HOPEFULLY GO TO JAIL FOR ABUSING AND HARMING THIS “IT’S ONLY A DOG!”

AND HOPEFULLY YOU AND YOUR FATHER WILL ALSO BE INVESTIGATED TO SEE IF YOU HAD KNOWLEDGE OF THIS ABUSE, WHICH I HAVE NO DOUBT THAT THE BOTH OF YOU KNEW WHAT WAS GOING ON, AND DIDN’T STOP IT, OR NOTIFY AUTHORITIES. THE FACT THAT THE HUSBAND TOOK THE DOG TO A VET 7 TIMES IN THE PAST YEAR, LEADS ME TO BELIEVE THAT THE VETINARIAN SHOULD ALSO BE INVESTIGASTED, AS HE SAW THAT THIS DOG WAS BEING AB USED, AND ALSO DIDN’T SAY ANYTHING.

TO THE ASPCA……………DON’T JUST STOP WITH THE ASSHOLE MOTHER, BUT GO AFTER THE HUSBAND, SON AND THE VETINARIAN!!!

SEE THIS PIECE OF SHIT HERE >>

http://stopanimalabuse.blogspot.com/2010/03/queens-woman-beats-bulldog-with-shovel.html

WARNING…THIS VIDEO IS HEARTBREAKING!!!!

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!!!!