Before I got this insurance I called around many places to make sure that my pet's history wasn't going to be a factor in his future coverages. My cat had UTI before but I know that some companies will still cover this in the future if he has been UTI free for over 6 months as UTI could be a recurring illness (bacterial infection). Petsbest was very nice when I called and said that most likely it will be covered but it depends on the underwriter.
Two years after I joined my cat had a urinary blockage due to a stone. This is not UTI as I've asked my Vet. She replied that there is no bacterial infection (per my cat's urine culture). Stones are formed by diet and such. My claim was completely denied. They told me that my pet's condition happened before he joined pets best. He has never had a stone in his life prior to this.
They also said that I was claiming for heart murmur which was on the bill but made up. 06% of the bill. When he was as kitten there was some heart murmur but the vet ruled it out that later and there was none. Before he had his surgery for the stone, the vet did a check to make sure his heart was fine (which it was). That was part of the whole bill yet the whole claim was denied because of the heart murmur.
I'm sorry if this is very rushed and unclear as my pet recently passed and I can't think straight. But my advice to others... Please beware of the company. I've been a customer for my whole pet's life (minus the first 6 months as a kitten) and the one time I put in a claim they find every reason to deny it.
I called to ask why my claim was denied and the woman who went from very sweet voice to very nasty voice really quick. When I didn't pursue further she went back to her sweet voice. This company has FAKE written all over it. I will appeal and hopefully they will manage to do the right thing and cover the expense.
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