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NO GAP ONLY
NO GAP ONLY, NO PRE APPROVALS GIVEN, PETCOVERS PAY DIRECT TO VET IS USELESS, CLAIMS DENIED 1. No Gap Only – Search “ASIC Stop Order Pet Insurance” & GapOnly. Petcover have confirmed they do not do Gaponly unlike most other insurance providers. Best to go with another provider because you’ll never be required to pay any upfront costs if your vet is one of Gaponly insurance partners. You can claim on the spot and only pay your excess. With Petvcover, you’ll always be required to pay upfront for the total cost. 2. No Pre Approvals Given – Petcover does not provide any pre approvals. Again, most other insurance providers do give pre approvals. 3. Pay Direct To Vet Option – This is useless. If no pre approval is given, how can anyone use this option? Are vets supposed to do the surgery with no pre approval from Petcover and just hope when the claim is submitted, they will be paid? BOAS SURGERY DENIED DUE TO DOG PREVIOUSLY ONLY HAVING KENNEL COUGH Pets cover started January 2019 (3 months of age). April 2019 pet was seen by vet for kennel cough. Petcover paid all April 2019 claims in full. Since April 2019, pug has had no vet visits for anything in relation to coughing. Only last month, pug started having breathing difficulties and vet has recommended BOAS. Petcover advised they would not pay any expenses for said pet. Their Reason - Pet showed “clinical signs” of BOAS in Apr 2019 (which was actually deemed to be kennel cough ONLY). Petcover does have a 365 waiting period on BOAS surgery. The vet did recommend at the time for the pets airways to be assessed ONLY IF the cough was did not stop. Cough immediately stopped after vet visits and no further treatment was necessary. Just because someone shows signs of a cough, it doesn’t deem them to have “clinical signs of Lung Cancer”. It was only a cough. From my experience, best to go with another insurance provider who is a Gaponly partner (no more upfront costs), provides pre approvals and don't deny claims because they deem your pet to have shown clinical symptoms based on an unrelated issue that happened 4 years ago! Formal complaints with various Government bodies have been lodged.



