Don't bother!
I had their services in 2008 and filed a claim... That they never filled. They kept saying that they never received my dog's medical records. I faxed them, my doctor faxed them and I even mailed them. I finally got tired of their crap and cancelled my policy Jan.
December 30 they sent me a letter saying they still hadn't received my pet's medical records and couldn't continue my claim. I called them Jan 21 and the lady I spoke too confirmed they DID have my dog's medical records and she was going to speak to claims to clarify what (if anything) they needed and to get them to fill the claim. That was 7 months ago and I've heard NOTHING from them.
I decided to chat with a representative today to get this sorted out and all the girl kept saying was they don't reassess claims after 90 days. I told her that 24 Pet Watch contacted ME TWELVE MONTHS after I cancelled my policy so that whole 90 days was bull$*. She then claimed she had no record of them contacting me and I told her I had the letter right in front of me. Still the 90 day crap.
Fine, I'm writing a letter to them today to give them one more chance to fill my valid claim before I resort to legal matters. I'm NEVER using this company again and telling everyone I know NEVER to use them either!
It's obvious from the run around I was given that they're doing everything possible to refuse to pay my claim.
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