- Report: #332865
Complaint Review: Pets Health Care Plan/Hartville Group Inc - Canton Ohio
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Author Confirmed
Why?
Pets Health Care Plan/Hartville Group Inc
3840 Greentree Ave SW Canton, 44706 Ohio, U.S.A.
Phone:
800-8076724
Web:
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Pets Health Care Plan/Hartville Group Inc Insure you get no money. Canton Ohio
Pet iNsurance seems like a smart investment. With so many companies out there who better to thrust then the ASPCA sponsored Company Pets Health Care Plan? Moderately Priced with several options of coverage we went for the mid-grade plan.
Our Policy is a front and a back page loosely worded and contridictory on each side. We called customer service for clarification prior to having a procedure done. The rep "advised" that the root canal was a better option and "seems" as though it would be covered by our plan. A month letter we were told our check was being printed as we spoke. A week later on a follow up call we were told the procedure is not covered by our plan.
A follow up call to another rep explained that once our "full policy" arrived it would be made clear. Full policies are not mailed out until a claim is refused. When the "full policy" arrived it is a list of codes for denial. Still our procedure is never listed as not covered yet another rep explained it is a "very clear" policy not to cover a root canal.
The company admits we were told by one rep that it "should" be covered by his understanding that rep also stated they don't do pre-approvals. Petshealth managers admit that customer service can not explain the policy any further than the policy is written. The policy is written that the back side terminates most of the front side.
It is a shame the ASPCA is being represented by a dishonest company that has no intentions of putting animal welfare first.
Ame
Mt AIry, Maryland
U.S.A.
Our Policy is a front and a back page loosely worded and contridictory on each side. We called customer service for clarification prior to having a procedure done. The rep "advised" that the root canal was a better option and "seems" as though it would be covered by our plan. A month letter we were told our check was being printed as we spoke. A week later on a follow up call we were told the procedure is not covered by our plan.
A follow up call to another rep explained that once our "full policy" arrived it would be made clear. Full policies are not mailed out until a claim is refused. When the "full policy" arrived it is a list of codes for denial. Still our procedure is never listed as not covered yet another rep explained it is a "very clear" policy not to cover a root canal.
The company admits we were told by one rep that it "should" be covered by his understanding that rep also stated they don't do pre-approvals. Petshealth managers admit that customer service can not explain the policy any further than the policy is written. The policy is written that the back side terminates most of the front side.
It is a shame the ASPCA is being represented by a dishonest company that has no intentions of putting animal welfare first.
Ame
Mt AIry, Maryland
U.S.A.
1 Updates & Rebuttals
A Former Employee
Massillon,Ohio,
U.S.A.
You should have gotten your policy immediately after signing up....
#2UPDATE EX-employee responds
Tue, February 24, 2009
You should have gotten your policy immediately after signing up.... As a former employee and having a Propery & Casualty license from the state of ohio while with the company, 1. I printed the policies and mailed them. You should have recieved a policy right away within days of signing up. This was 4+ yrs ago, but should not have changed. You HAVE TO receive a policy it is the law, and you shouldn't receive it only when you make a claim, something your saying here is wrong or something. 2. If you signed up for the policy and planned to go to the vet before getting the policy and reading it yourself was not a good idea. AND the sales rep should have disclosed to you that they do not do pre-approvals. Everyone their knows that. Someone you spoke to was either deceptive or new and ignorant of this fact. They could deny you more easily within a certain period of time here. Can't remember tho. 3. Claim denial within the company when I was there according to the paperwork I saw while I was there shredding it, was extraordianarily high. More than I could have thought. But across the industry it was higher than most if not all. 4. The main problem with Pet insurance is that it is, by insurance law, PROPERTY insurance not HEALTH insurance. This is where people get confused and the companies can make alot of money denying claim you might think are valid. IT IS NOT HEALTH INSURANCE for PETS. IT IS and accident and injury policy for a piece of property, even if that property is a dearly loved and precious "family" member. Many employees with the company bought the policies for thier pets, a few not alot. IT was accepted by most that it is better to save back $20 a month in a separate bank account just for your pet/s for emergencies. The chances of covered injuries and the fact it would be covered in the next policy term (year) is small, less than probably 25%. SO< save your money back and put it aside somewhere safe and DON"T spend it unless for your pet emergency. Pet insurance is not a racket, a con, except for overzealous or misleading sales reps. Be thoruogh in your investigation and save your money back for your pet emergencies. But, it is about as close to a legal racket/ripoff a business can get. !!!
