MC
Marié Coetzee
1 reviews | Active since Mar 2016
16 Jan 2024, 18:44
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I am absolutely livid, claim for a serious hospital admission declined due to condition being hereditary, con******* or pre existing and it's within the 12 month waiting period. HOWEVER there has been no issues with our Boston Terrier prior to him being 10 MONTHS OLD for this specific condition and he was only officially diagnosed at 12 months old.
How do you classify a condition hereditary when you do not have a plethora of test results from both parents? How do you classify it as con******* if there were NO symptoms or issues up until 10 months. It sure as hell isn't pre existing as he was only officially diagnosed on 15 January 2024.
I understand waiting periods, but also have been told that they "won't entertain this claim even after the waiting period" for something that cannot possibly be classified as con*******, hereditary or pre existing.
I'd rather save the money and pay annual vet visits from that as it is really not worth having hospital cover when you cannot use it.
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Replies (2)
Oneplan Insurance's replyOfficial
19 Jan 2024, 16:10Dear Marie,
Thank you for bringing this matter to our attention and for taking the time to speak with us.
We are sorry to hear of the circumstances under which your Hellopeter posting has reached us and we do apologize for any inconvenience caused. We do take customer feedback seriously to improve our service and process to ensure that we meet our client’s expectations. Our well wishes are with you and your fur-baby.
As per our conversation kindly note that records from the Vet confirm that the condition your fur-baby was diagnosed with is a hereditary condition common in Boston Terriers and falls part of the 12-month waiting period since it was diagnosed within the first 12 months of your fur-baby being insured with us.
As per the policy schedule, it states that Hereditary means a condition that has been passed down from your Pet’s parents or due to a specific breed which may present with Clinical Signs during any stage of your Pet’s life. These include but are not limited to, hip dysplasia, elbow dysplasia, mange, displacement of the patella, entropion, ectropion, and cherry eye. Please note that Hereditary conditions are excluded from cover for all insured cats and dogs for a period of twelve (12) months from the date of inception.
Certain terms and conditions are always applicable, and these are included in all policy documents before and during your experience with us. The terms and conditions of the policy must be adhered to and app**** fairly to all clients. We do have your fur-babies best interests at heart, and we will assist with all we can in line with our terms and conditions. Please note we are governed by the FAIS Act and must apply the TCF policy to ensure all our clients receive fair service and cover.
We have since proceeded to send an email to your listed email with details regarding our conversation.
Once again, we apologize for any inconvenience caused and we hope to have provided clarity on the matter.
Kind Regards,
Oneplan
Thank you for bringing this matter to our attention and for taking the time to speak with us.
We are sorry to hear of the circumstances under which your Hellopeter posting has reached us and we do apologize for any inconvenience caused. We do take customer feedback seriously to improve our service and process to ensure that we meet our client’s expectations. Our well wishes are with you and your fur-baby.
As per our conversation kindly note that records from the Vet confirm that the condition your fur-baby was diagnosed with is a hereditary condition common in Boston Terriers and falls part of the 12-month waiting period since it was diagnosed within the first 12 months of your fur-baby being insured with us.
As per the policy schedule, it states that Hereditary means a condition that has been passed down from your Pet’s parents or due to a specific breed which may present with Clinical Signs during any stage of your Pet’s life. These include but are not limited to, hip dysplasia, elbow dysplasia, mange, displacement of the patella, entropion, ectropion, and cherry eye. Please note that Hereditary conditions are excluded from cover for all insured cats and dogs for a period of twelve (12) months from the date of inception.
Certain terms and conditions are always applicable, and these are included in all policy documents before and during your experience with us. The terms and conditions of the policy must be adhered to and app**** fairly to all clients. We do have your fur-babies best interests at heart, and we will assist with all we can in line with our terms and conditions. Please note we are governed by the FAIS Act and must apply the TCF policy to ensure all our clients receive fair service and cover.
We have since proceeded to send an email to your listed email with details regarding our conversation.
Once again, we apologize for any inconvenience caused and we hope to have provided clarity on the matter.
Kind Regards,
Oneplan
Oneplan Insurance's reply19 Jan 2024, 16:10
Official
Dear Marie,
Thank you for bringing this matter to our attention and for taking the time to speak with us.
We are sorry to hear of the circumstances under which your Hellopeter posting has reached us and we do apologize for any inconvenience caused. We do take customer feedback seriously to improve our service and process to ensure that we meet our client’s expectations. Our well wishes are with you and your fur-baby.
As per our conversation kindly note that records from the Vet confirm that the condition your fur-baby was diagnosed with is a hereditary condition common in Boston Terriers and falls part of the 12-month waiting period since it was diagnosed within the first 12 months of your fur-baby being insured with us.
As per the policy schedule, it states that Hereditary means a condition that has been passed down from your Pet’s parents or due to a specific breed which may present with Clinical Signs during any stage of your Pet’s life. These include but are not limited to, hip dysplasia, elbow dysplasia, mange, displacement of the patella, entropion, ectropion, and cherry eye. Please note that Hereditary conditions are excluded from cover for all insured cats and dogs for a period of twelve (12) months from the date of inception.
Certain terms and conditions are always applicable, and these are included in all policy documents before and during your experience with us. The terms and conditions of the policy must be adhered to and app**** fairly to all clients. We do have your fur-babies best interests at heart, and we will assist with all we can in line with our terms and conditions. Please note we are governed by the FAIS Act and must apply the TCF policy to ensure all our clients receive fair service and cover.
We have since proceeded to send an email to your listed email with details regarding our conversation.
Once again, we apologize for any inconvenience caused and we hope to have provided clarity on the matter.
Kind Regards,
Oneplan
Thank you for bringing this matter to our attention and for taking the time to speak with us.
We are sorry to hear of the circumstances under which your Hellopeter posting has reached us and we do apologize for any inconvenience caused. We do take customer feedback seriously to improve our service and process to ensure that we meet our client’s expectations. Our well wishes are with you and your fur-baby.
As per our conversation kindly note that records from the Vet confirm that the condition your fur-baby was diagnosed with is a hereditary condition common in Boston Terriers and falls part of the 12-month waiting period since it was diagnosed within the first 12 months of your fur-baby being insured with us.
As per the policy schedule, it states that Hereditary means a condition that has been passed down from your Pet’s parents or due to a specific breed which may present with Clinical Signs during any stage of your Pet’s life. These include but are not limited to, hip dysplasia, elbow dysplasia, mange, displacement of the patella, entropion, ectropion, and cherry eye. Please note that Hereditary conditions are excluded from cover for all insured cats and dogs for a period of twelve (12) months from the date of inception.
Certain terms and conditions are always applicable, and these are included in all policy documents before and during your experience with us. The terms and conditions of the policy must be adhered to and app**** fairly to all clients. We do have your fur-babies best interests at heart, and we will assist with all we can in line with our terms and conditions. Please note we are governed by the FAIS Act and must apply the TCF policy to ensure all our clients receive fair service and cover.
We have since proceeded to send an email to your listed email with details regarding our conversation.
Once again, we apologize for any inconvenience caused and we hope to have provided clarity on the matter.
Kind Regards,
Oneplan
MC
Marié Coetzee's updateReviewer Update
19 Jan 2024, 16:21I have spoken to a representative yesterday and this is not at all what was relayed to me.
Also, your policy document states nothing about a specific breed or breeds and the underwriters did not send the email I was waiting for after signing up with specific exclusions due to my pup being a Boston Terrier.
I'd still not recommend you to anyone as even if we do schedule the surgery for after the waiting period, you would not cover it simply because my pup was diagnosed 2 months before the waiting period was over.
So pretty much, don't give a damn about your pets if you are on Oneplan because if they get diagnosed at the wrong time they'll never ever cover it after.
Also, your policy document states nothing about a specific breed or breeds and the underwriters did not send the email I was waiting for after signing up with specific exclusions due to my pup being a Boston Terrier.
I'd still not recommend you to anyone as even if we do schedule the surgery for after the waiting period, you would not cover it simply because my pup was diagnosed 2 months before the waiting period was over.
So pretty much, don't give a damn about your pets if you are on Oneplan because if they get diagnosed at the wrong time they'll never ever cover it after.
MC
Marié Coetzee's update19 Jan 2024, 16:21
Reviewer Update
I have spoken to a representative yesterday and this is not at all what was relayed to me.
Also, your policy document states nothing about a specific breed or breeds and the underwriters did not send the email I was waiting for after signing up with specific exclusions due to my pup being a Boston Terrier.
I'd still not recommend you to anyone as even if we do schedule the surgery for after the waiting period, you would not cover it simply because my pup was diagnosed 2 months before the waiting period was over.
So pretty much, don't give a damn about your pets if you are on Oneplan because if they get diagnosed at the wrong time they'll never ever cover it after.
Also, your policy document states nothing about a specific breed or breeds and the underwriters did not send the email I was waiting for after signing up with specific exclusions due to my pup being a Boston Terrier.
I'd still not recommend you to anyone as even if we do schedule the surgery for after the waiting period, you would not cover it simply because my pup was diagnosed 2 months before the waiting period was over.
So pretty much, don't give a damn about your pets if you are on Oneplan because if they get diagnosed at the wrong time they'll never ever cover it after.