(To not include snippets in the OP will cause many NOT to read and I think this is an important article, so I will take the time to do so on behalf of that poster....:shrug:)
Pet insurance ordeal riles dog owner
PetCare denies claim, then pays, citing miscommunication
http://www.cbc.ca/news/canada/british-columbia/story/2011/05/23/bc-petinsuranfce.html--snip
Eastman paid well over $6,000 for health insurance for his two dogs, Chester and Ted, in monthly payments over a 10-year period.
However, after his dog Chester became ill this winter with diabetes and then cancer, PetCare insurance denied his claim for $8,000 in veterinarian bills.
--snip--
"We should have called the vet," PetCare marketing VP Susan Arts told CBC News, "There was a gap here — a miscommunication."
Chester was euthanized not long after his cancer diagnosis.
PetCare admitted it also failed to cancel the deceased dog's policy, as Eastman's had requested. Instead, the company cancelled the policy for Ted, his surviving dog, while continuing to bill Eastman for Chester. He caught the mistake three months later when he decided to cut his ties with PetCare and cancel Ted's policy.
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The company claimed they needed proof of diagnosis.... Instead of contacting the veterinarian, they left the oneness on the dog owner to do so... While they ultimately paid, it only underscores that these kind of insurance policies will likely require lots of red tape, and time consuming back and forth (or overt argument) to get them to pay out. They profit, knowing most people will not do so... sigh...