With Outsurance pet insurance you always lose out!

While l have always been impressed with the service that l have received from Outsurance in the past as far as my car and home insurance are concerned, I cannot say the same for their pet insurance department. It came as some surprise to me when l submitted a claim for my dog's sterilisation procedure. While the vet bill came to R2247.35, Outsurance will only refund me R1100.00 as they classify sterilisation as routine care. Surely "routine" refers to something that occurs on a regular basis like annual check ups, vaccinations, etc, while sterilisation will only occur once in a pet's life! I was also informed that they will not cover the cost of his imminent vaccinations as they have removed that part of the cover. I am left wondering why l have been charged over R300.00 per month for the past two and a half years for a policy that apparently does not really cover anything as the first two claims that l submitted were rejected as being due to con******* factors. It seems that with Outsurance pet insurance the client does not "always get something out" as they are so fond of exclaiming in their adverts. From my experience it is more of a case of "always losing out"