We had a very unfortunate experience with Medipet Veterinary Insurance. We’ve been “insured” with them for over four years now and have recently added a new boston terrier to the family. When it came time to neuter the little guy at six months we thought it wise to keep the stress of going to the vet and getting operated on to a minimum by scheduling his elongated soft palate surgery which was recommended by his veterinary surgeon at the same time. It only makes sense to do the two together.
After the procedure we did they same process, of submitting the necessary forms to be processed thinking that we will get reimbursed for the soft palate surgery and knowingly not for the castration, since this is not covered.
It was then very upsetting to be informed by Medipet that our claim could not be refunded as the policy has a standard 6 months waiting period on top of the initial 30 day no claim period. This fact was never brought to our attention but rather buried in the policy wording.
You would expect these exclusions to be highlighted and communicated upfront when you sign up a new member of the family. In our case we were very happy with the services that Medipet provided and assumed that we would receive the same level of service with our second Boston Terrier. The true character was however revealed when technical small print denied the actual service, which they proudly promote to set them apart from the other competitors in the market.
I would recommend using Medipet, only if you plan on using them for the little visits to the Vet and not the actual expensive surgeries you would expect to be covered. I would however suggest you read every single small print before you plan on visiting a vet, just to avoid any nasty surprises.
We will be looking at alternative options that offers actual surgical and dental coverage.