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Customer Reviews for PCF

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1/10   Never use this insurance company.
It is a scam.WE charged with this company for more than one year, but it excludes many conditions.Digestive problem, Animal biting,...,are not included.Always they have excuses not to pay.
Injury/Illness: eye problem gastritis/vomiting enteritis/diarrhea   Breed: Mixed Breed
Claim Amount: $100 - $500   Age of Pet: 1 - 8
Nas, 8/2/2017
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1/10   Don't Use this Insurance Company
I purchased two policies - one for each of my two spaniels. October 1, 2016 was my first payment. I ended this May 1, 2017. Why: It took the company 7 months to underwrite the policies and then they came back to me with exclusions that were totally ridiculous and false. All exclusions are followed with "and associated conditions". This could mean anything and everything. This company isn't going to pay-out for anything. They will take your money but not care about your pet.
Injury/Illness: no illness or claim   Breed: Cocker Spaniel
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
Janice Copsey, 5/2/2017
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1/10   Skip this Insurance Company
I started paying my premiums October 2016 for two of my dogs. It took PC Pet Insurance 7 months before they completed the underwriting. When I finally received the policies, there were several exclusions and "associated conditions" to these exclusions noted for each dog. Only one of the exclusions was valid - an eye infection in one of the dogs (which excluded insurance for one year). They stated for one dog - 1. Skin Problems and 2. Respiratory Problems and the second dog - 1. Eye Problems, 2. Tumours, 3. Contagious Infectious Disease in the other. Like I said, the only valid exclusion was an eye infection. The rest is all fabricated. If my dog had a contagious infectious disease, then why doesn't the other dog have it??????? They are good to take your monthly premiums but the exclusions followed by "and Associated Conditions" takes them off the hook from paying just about anything. Shame on this company. I would never recommend them. I have cancelled with this company.
Injury/Illness: no illness or claim however I'm claiming for a refund of 5 months premiums paid for   Breed: Cocker Spaniel
Claim Amount: $500 - $1000   Age of Pet: 1 - 8
Janice Copsey, 5/1/2017
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1/10   Wouldn't Recommend To Other Pet Owners
We paid for our pets for years, until one of them we cancel his insurance with PC Financial Pet Insurance. They never cancelled it instead still charging us. We called few times, always said "will call us back". Charged us for 11 months which should cancelled last May. We don't know how to stop them being a scammer!!!
Injury/Illness: not sure   Breed: French Bulldog
Claim Amount: $100 - $500   Age of Pet: 1 - 8
Tony, 4/3/2017
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10/10   Life Saver
I have nothing but good things to say about this company. I love knowing that if anything was to happen to my babies, i have the coverage i need to protect them! every time i call in the girls in the call center are super helpful and kind. PC pet insurance is the best bang for your buck too - i have $5000 PER accident and illness EVERY YEAR, unlike pets + us which has a lousy $7500 combined limit TOTAL per year - rip offs! I'm so happy i left those scammers in the dust and decided to go with PC!! i had taken in my baby because he was sneezing and i was concerned, turns out nothing was the matter but PC STILL COVERED my claim!! super impressed. great product, lowest monthly premium out there and excellent service!
Injury/Illness: sneezing   Breed: Domestic Shorthair
Claim Amount: $100 - $500   Age of Pet: 1 - 8
Ryan Murphy, 3/24/2017
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1/10   Petty and unprofessional
My 10 month old dog pulled a leg muscle two months ago chasing a squirrel on the ice. Called the vet to consult. She improved within hours. No vet visit needed and no treatment needed. However, because I called the vet, PC says she won't be covered for lameness for at least another four months because of a per-existing condition. Their logic is fuzzy and indefensible. The Customer Care Department is combative and should be changed to "Customer We Don't Care Department." Or maybe "We Could Care Less." I am greatly concerned if they are intransigent on something like this, how will they be if and when I have a major claim? And seeing the other reviews here, I have reason to be concerned!
Injury/Illness: No claim made   Breed: German Shepherd
Claim Amount: under $100   Age of Pet: under a year
John Boles, 3/16/2017
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2/10   Waiting Forever
Three weeks now since I have made a claim Paid the premiums for 12 years and this is my first claim. I just east to move on.
Injury/Illness: renal (kidney)   Breed: Jack Russell Terrier
Claim Amount: $100 - $500   Age of Pet: over 8 years
Lisa, 2/27/2017
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3/10   Only worried about their bottom line
With PC pet insurance for over 5 years. My lab was diagnosed with cancer. She went through 6 mo of treatments in 2014; thankfully she is still with us. 2015 PC increased premiums. June 2016 I get a letter saying that my 80% coverage would drop down to 60% due to the number of claims we have made in the last 2 years. I was able to convince them to keep it at 70% until the end of the year. As of 2017 they dropped it down to 60% without delay. So rather than increase the premiums, they reduced my coverage. In dealing with their claims adjusters go out of their way to turn down claims. My dog has rexisting conditions, so what tends to happen is if a claim is sent in 80% they group treatment into one of the conditions automatically. Only after hassling them for weeks, sometimes months at a time, and with multiple reviews do they take a closer look at what the vet treated my dog for. Currently I am in the processes of trying to convince a thyroid blood test had nothing to do with a preexisting condition of allergies???? Either they have absolutely moronic people working on claims, or PC is crooked. PC is only worried about $$$ they will rip off their they customers especially after pay out claims.
Injury/Illness: cancer   Breed: Labrador Retriever
Claim Amount: over $1000   Age of Pet: 1 - 8
Kyra, 1/21/2017
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Review PCF review policy

Review Title (if you could say it in one sentence, what would you say?)
Your Review (tips)
DO tell us specifics about your pet's illness or injury
DO tell us whether you were happy with how your claim was handled

DON'T use profanity or personal insults
DON'T write in ALL CAPS
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Would you recommend this company to other pet owners?
Yes   No
Your Name

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Type: Dog     Cat
Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
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Type of illness or accident:
not sure
ear problem eye problem skin problem
cancer gastritis/vomiting enteritis/diarrhea
bladder renal (kidney) thyroid
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Time taken to handle claim
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