24PetWatch Pet Insurance

I have submitted a claim for my dogs Wellness appointment. When I did not received the payment, I called to ask what the claim paid and when I would be getting the payment. The first time I called, it was only explained as the claim was denied because your account has a balance. When I called again, Michael told me the same reasons for the denial.

I explained that because I have a balance at the Vets office should not mean that I can not receive my benefits. I have two other dogs on the account and the other insurance pays the claims without questions to my account balance. He explained that their adjusters flagged the payment and it is their policy to not pay claims that have balances. He offered to call the Vets office and see if the bill was paid, so he could then process the claim but only have he received a new receipt showing the balance as 0. Insurance benefits are there to help pay with the expenses not to hold the payment till a balance at the Vets office is paid.

I pay for pet insurance to help with the expenses. I continue to pay for the insurance because I want the peace of mind that help is there if they are ill or something happens to them. They are my family and I want protection for them. It is hard enough in this economy to make a living and I when I use the insurance, it should not be restricted because of account balances. It is a poor reason to not pay claims. I would like the return on the claim to timely with out restriction.

I have tried for months, at least half a year, to get resolution for this financial fraud.

The representative has all the documentary proof showing that this insurance company has no intention to pay claims, and I want at least a refund of all the premiums I paid for for 4 years.

I also want this company to remove all their advertising since they are unethical and have no intention to pay claims.

Purchased PetInsurance. Happened to be that my puppy was sick when we got her in Jan 2008. She had Urinary Tract Infections. Also pee'd constantly. We treated her and she got better. Bought insurance and this became an exclusion. The exclusions are UTI's, crystals and according to them, anything related. She has had a few UTI in two years. She was also spayed and since she involuntarily leaks, we thought it was spay incontinence. The doctor wrote this down and we submitted the claim and they declined it and refused to pay us for the bills on that illness because they said that we chose to spay and anything associated with that, is not covered.

Fact, no tests were performed to confirm spay incontinance -- we just did a speculative diagnosis. Since than, we have moved onto a holistic vet. She and the original vet both are pushing a dye test to see if my dog has a congenital birth defect whereas her "plumbing" was not formed properly. I submitted a "pre approval" form and they decline this also stating that it is all related to spay incontinence and a birth defect is a pre existing condition??? However, their website states that 24PetWatch will cover some congenital or hereditary defects or diseases, if first noted, diagnosed or treated after 30 day waiting period. We never treated my dog for incontinence when she was that young but rather, we dealt with her infections. They are always finding an excuse not to pay us. HELP US PLEASE>

I signed up for pet insurance for my cat about 10 months ago. I have been paying monthly premiums of $36.00. The reason I did this is because I am on a very limited budget and wanted to make sure if any thing happened to my cat he would get the medical attention he needed. I submitted my first claim on November 2nd 2009.

I followed up and was told the check had been processed and was in the mail. I called today as I still had not received and was told I was getting nothing back. The rep I spoke to went on to say that due to a pre-existing condition the cat had I was getting nothing back! The condiditon was a urinary tract problem and had absoloutely nothing to do with the condition I brought the cat in for which was just lethargy. What I cannot understand is why the cat was even accepted for coverage if any claim I made would be attributed to an earlier condition.

My vet will confirm the recent ailment he was brought in for had nothing to do with this condition he had prior. Had I known that all this company would do would be to take my $36 dollars monthly I would have kept the money and applied that to future vet visits. I'm out of pocket for approximately $360 in insurance payments when the insurance company had no intention of ever honoring my claims.