REVIEW #2 JFC!!
REVIEW #2 JFC!! So after the experience below TWO YEARS AGO!! i CANCELLED MY POLICY....BUUUUT, I JUST GOT A PAYMENT ALERT AND LOOKED AND FOR 2 YEARS THEY HAVE BEEN CONTINUING TO CHARGE ME. ODDLY I JUST TOOK MY CAT TO THE VET FOR VESTIBULAR AND WAS LIKE WHAT AN ODDLY HAPPY CRAPPY THING TO FIND OUT...SO I SENT IN A CLAIM....THAT HAS BEEN IN REVIEW FOR MANY DAYS, NO ONE ANSWERS NOR RETURNS PHONE CALLS, I GOT A 3 AM TEXT TWO DAYS AGO, I REPLIED, IT IS UNREAD, I LEFT MULTIPLE PHONE NUMBERS AND EMAILS TO REACH ME AND NOTHING. I DID AN AI DEEP DIVE, THEY ARE NOT RETURNING QUOTES CALLS OR CLAIMS. NEXT STOP IS THE NYS INSTUANBCE BOARD AND AN ATTOERNEIES OFFICE... DO NOT TRUST THESE CREATURES. REVIEW #1 (FOR REFERENCE): I contacted two separate agents when my… I contacted two separate agents when my cat began sneezing, intending to ensure coverage. Animalia informed me of a 5-day waiting period, assuring coverage for pre-existing conditions. Both agents affirmed coverage for the cat's condition, stating it was treatable and not excluded.After waiting the specified period, I took my cat to be examined, incurring a bill of over $200. With a $200 deductible and a 10% copay, I anticipated coverage. However, I received a confusing 3-page letter that vaguely addressed fraud accusations, leaving my coverage status uncertain.Even if coverage exists, the letter indicated a year-long exclusion for any current illnesses, including minor issues like sneezing. Attempts to reach the adjuster for clarification proved futile, adding to the frustration.To complicate matters, the review agent altered my deductible from $200 to $500, subsequently denying coverage and attributing the previous letter to a typo. The denial of insurance for a simple cold feels punitive, prompting me to explore alternative options. Update, reviewer reached out to advise me that because of this I have been denied coverage SHE cancelled my policy. UPDATE RESPONSE TO LAST COMMUNICATION: Update Request: Could you please share the telephone trace number used for reviewing my call records before making public accusations? Additionally, the adjuster's report explicitly mentions "denial of coverage." If it were a matter of claim rejection, the language would have indicated a denied claim, not coverage. Moreover, when I requested documentation, the adjuster's reply was unprofessional. I was informed via phone that my online review must be removed or face negative consequences. I welcome the sharing of these phone records and transcripts at your earliest convenience. Also, the post-purchase alteration of my coverage was not a typographical error; it seems you were not anticipating my having a screenshot as proof.
By Jim F.