The art of the polite, and public, complaint

I had been wrangling (textually) with PetCover regarding Loki's lumpectomy. And after many of what I took to be (and were) condescending and patronizing replies, I let my fingers do the walking, and gave them a 1 star rating on Google Review, and with out rancor I typed up the time line of everything that happened.

Someone from the parent company replied, but I hadn't bothered to read it.

Next day, I got a phone call from M***. He told me this entire mess was because he has misread my email, thought I wanted it canceled. Not only is Loki's insurance reinstated (with handy dandy monthly installments instead of huge lump sum) but a huge hunk of change was rebated from his lumpectomy.

I am very satisfied with this outcome, but why the heck didn't they do this at the outset, instead of leaving me in tears over them canceling Loki's policy, then denying the claim?  Well, we are all human and make mistakes, and I for one am grateful to M*** for getting this tangled mess straightened out. Thank you.

How's this for a screwing?

It's also a lesson learned for me. Loki's pet insurance was getting ridiculous because, although he was healthy, he was getting old. So, when I got the renewal notice, I emailed PetCover, informing them I probably wasn't going to renew.

Now, Loki, who was still covered until 13th of August, already had a scheduled vet appointment, and had a lump removed a week before the end of his policy. Lump removed on the 6th of August, claim submitted on the same day, as I was standing there when it was sent.

Either someone left it sitting in the email folder for an extra week, or this is just how they handle it. They lied. They said I emailed to CANCEL the policy, so denied the claim. I did not. I told them I was probably not going renew as they have gotten over too expensive.

I have gotten nothing from them but patronizing and condescending emails.

I have two new pets. I will NOT be using PetCover again.

That's one

Today, renewal of Ziggy's pet insurance policy arrived.  Soon now, Keito, Loki and Trance's will arrive.   It's worth it.

Rather unexpected but nice

Got a letter for Allianz insurance.  Turns out that due to miscommunication we were charged too much or not rebated back enough of the excess we paid for Keito last year. 

They sent us a check, with the amount we were overcharged, and 94 cents interest. :D

Pet insurance is definitely worth it

Just sent Ziggy's filled out claim form to the vet for them to put in the info and forward it to PetPlan.

Many people have said "Why not just set up a savings account for pet expenses?"  Yes, in a perfect world, when just normal things like check ups and vaccinations are the norm, this would be a good solid plan.

HOWEVER, when you have a seriously ill cat (Keito for instance) a small savings account isn't going to help.  Keito was in Murdoch Emergency Vet for 9 days. Average cost was $1000 a day, because he needed 24/7, treatment, supervision, surgery and IVs etc etc. (pet haters, beware, I will delete your comments and block your sorry asses, capice?)  Because we had pet insurance 65% of the bill was covered.

Ziggy's current bill is no where near that much, but getting $120 again back is good.(yes, again, because she has had this allergy problem a few times this year. $180 per visit.)

Each cat is about $300 a year to cover. That is the price of one emergency vet visit, NOT counting treatment, surgery, medications.  $1200.  About 1/8th of what Keito's vet bill added up to be.  So yeah, definitely well worth it and cost effective.

*grump*

I called PetPlan about the increase in pet policy prices.  Turns out it's not because she older. It's because there have been people who have certain breeds of cat that are known to have specific to breed health problems that wouldn't be covered who are claiming their cats are 'domestic short hair' or other such non-breed of moggie.

Because of that, the insurance underwriters have had to increase costs across the board because of these people.

I will be having the "Death Coverage" removed, as getting their adoption fee/purchase price back isn't really an issue. That will drop the price $50 a year per moggie.