Petplan Pet plan lures customers with great promises then refuses to deliver. Internet

I have had petplan for almost 2 years on THREE dogs, and in those two years I have NEVER had any luck getting a claim approved. They will use EVERY POSSIBLE detail that the vet writes to deny claims. They have put in place so many roadblocks to getting claims process as possible. Never in my life have I experienced such difficulty with an insurance company! First, they require at leas 2 years medical history for every pet, and it MUST come from a veterinarian. If you don't have it, than you're screwed. Every claim is auto-rejected. NO OTHER PET INSURANCE COMPANY REQUIRES THIS.

Their favorite excuse is "pre-existing" symptoms. Sorry, just because a dog has has bladder problems before, does not mean all bladder problems are automatically related.

When there is no grounds for labeling it pre-existing, they simply tell you that the claim exceeds the allowed amount for treatment. They lure customers in offering 100% reimbursement, but then reject every claim. And what good is 100% reimbursement when limits are put on how much expenses can be.

They also like to tell you "You could avoid this by getting pre-authorized every claim." 

I'm sorry, when my dog is requiring urgent medical care, I do NOT have the time to submit pre-authorization forms and wait days for a response just to see if the insurance will cover it. Also, in emergencies (where this usually becomes a problem) I do not have time to compare or worry about whether the fees my emergency vet is charging me will exceed the limits of the policy.

Also, I've TRIED the pre-auth route... It should be called Pre-Reject, because that's all the process is for.

I have regretted switching insurance companies since day 1. I have wasted THOUSANDS of dollars on this company, for NOTHING. The ONLY reason I haven't switched back is because my dogs currently have some medical issues that would not be covered on new policies because of waiting periods, and I cannot risk that.