Quote:
Originally Posted by steph_bella  i do feel like im doing good and i can afford it the only concern was the negative reviews from loadss of people saying they wouldnt pay out or anything but then i got confused about the paying up front and then them reembursing the money cuz i still would be in the same boat :S i dunno should of looked into this before taking out the stupid policy! lol |
Here is what I suggest then; call the company, if your policy shows the insurance agent who sold you the policy then call them. But first develop a list of questions prior to speaking with the company/agent.
Start your verbal peramble something like this: I've had the opportunity to throughly review this policy you sold me. I've also researched you on line, to see how satisfied your customers are. I now have some questions and concerns.
First Question: In reviewing this policy it "seems to state" that I must pay all expenses up front. I specifically bought this policy to be Covered in case of emergencies. If my dog needs emergency help in the middle of the night, I didn't want to worry about what was in my chequing account, that is why I bought pet insurance. What is your companies practice here, in terms of emergency treatment?
Second Question: I have noted that there are many consumer complaints about your company, specifically in the timeliness of your payouts, and the repetitive and frequent nature of your claim denials. Please give me your company statistics on number of claims made, average time to claim payout, claim denial rate, etc. Or send me to your website where this information is described.
Nb: look up Insurance reporting laws in your country and see what is required in terms of public disclosure.
I have no idea what brochures or advertising literature this company issued to you, and no idea what you and this agent talked about, prior to you commiting to sign up for insurance. If there was mis-representation, then that needs to be brought up by you to the insurance company.
Also here in Canada we have a government appointed Omnubudsman that you can write to, to help address any grievances you may have. I'm not sure what you may have in England.