Petbarn Pet Insurance Total Cover

Petbarn Insurance – Hi all randomly posting here to raise awareness. Attention to all considering signing up with Petbarn Insurance or investing in their top-tier cover, Petbarn’s Total cover, touted as the highest level of coverage with extensive accidental injury and illness cover. It's imperative to be vigilant, as this coverage falls short of its promises. Despite the enticing description, the reality is far from satisfactory. The policy's claim schedule, which they refer to, offers limited coverage with limited gap cover, leaving pet owners with significant out-of-pocket expenses.

A firsthand example: after being loyal customers and faithfully paying over $200 per month for the last four years, our dog required surgery after swallowing a skewer. Despite expecting comprehensive coverage, we were shocked when Petbarn Insurance covered only a fraction of the $12,000 hospital bill, leaving us responsible for the majority of the cost. It's worth mentioning that the hospital staff were equally shocked. Initially, they covered only $1200. After countless hours on the phone, pleading for additional coverage to save our beloved pet, they begrudgingly offered a mere $2500, leaving us to cover nearly $10,000 ourselves. Beware of false promises and thoroughly review policies before making any commitments.

As a result, we have decided to promptly switch our pet insurance.