Business ProfileforPTZ Insurance Agency, Ltd.

RUN FOREST!! RUN!!! I signed up for ASPCA pet insurance 4 moths ago and my dog quit eating and also vomited. I filed about 800 dollars in claims and they paid ZERO to me. . They denied paying because they said he may not be eating because of his teeth and thats pre-exsisting gum disease even though the vet told me he doubted that was the reason he wasnt eating! In fact a vet ran a urine test that came back later and found out the dog had a UTI! When the uti cleared up the dog started eating again!!! HOWEVER ASPCA REFUSES TO PAY because the vet mentioned he had ******(gum disease) and needed a teeth cleaning when he got over his sickness which was NOT related to the teeth!! They have a confirmed UTI in the medical records!Also the ASPCA pet insurance rep that responses here to people always says "You can file an appeal" BUT they dont tell you THE APPEAL IS DECIDED BY THEM!..LOL. Not a independent review team like other pet insurance companies! Imagine going to court for speeding and instead of a judge you get another police officer deciding whether to decide for you or the police officer!!!..lol They need a independent appeal review!I wish they would either pay the claims or just refund my premiums. It cost my almost 400 dollars the last 4 moths months!!! Then they also keep saying they need records, i call and email them the records then they say they got everything. Then i wait and nothing happens and they say they need medical records. I send them again they say they got them and then the computer shows they are waiting on medical records.BEWARE! They wanted FIVE years of medical records from every vet, dont believe them when they tell you they want a year or two. They will keep going back and back and the contract you sign says they can ask for every visit from the time they are a puppy!!!! EVERY RECORD!!!! Im not kidding!!! and if your dog sneezes when he was a puppy they can say 10 years later he had signs of allergies and not pay a allergy claim 10 years later as an example because allergies are considered non curable and a sneeze can be a symptom of an allergy!...lolAlso if my dog develops heart problems or other problems will you blame it on the teeth and not pay anything either????BEWARE!! This company gives you a false since of security!!! Please either refund my premiums or pay the claims!!! If you cant pay for the sick claims because of the teeth then please refund my money! Done let me be OUT both the premiums and the pet visits! Thats cruel! I would have never guessed you would have blamed the teeth for the dog being sick for excuse not to pay!Other pet insurance companies will tell you up front what will and wont be covered. This company doesn't, you pay the premiums and get blind sided then you are out the premiums and the cost of care!!