Saturday 16th of September 2017 09:05:56 PM
I was a consumer fraud and housing law professor before becoming disabled several years ago. I have chronic severe pain since 2/2012-trigeminal neuralgia nerve pain in face and also chronic PTSD, among other issues. My eldest cat Jack went into kidney failure. As he is beloved, there was no question I was going to take my vet's advice and bring him to emergency hospital, where he had supportive care, fluids, etc. Vet bill was at 1,000 for Jack and Jerry, as bloodwork was done on both and Jack had further procedures. The cost of hospital stay was at 2500$. When I called to get forms for reimbursement they said the policy lapsed for nonpayment. They insisted they sent a letter and emailed me, several times. They did not email me. As I had autopay, I was not concerned about premium being paid when Dr ** took me off hard core narcotics for trigeminal neuralgia pain caused by having 8 root canals and unnecessary in fact harmful and medically not recommended. Once a root canal causes nerve pain, it is duty of MD to do no harm. Not do 3 root canals on the same tooth till it's perforated or fractured. My 4 policies lapsed September 8. That week I was at U Penn Pain Clinic, 2 ER visits and oral maxillofacial MD was trying to keep me from cold turkey withdrawal from narcotic meds when pain MD dumped me with one month's prescription - actually the prior month he wrote for the wrong medication so it was by weaning myself down from April / May till September that I was bedridden with withdrawal symptoms, enormous pain. As I get 4 VPI envelopes stating premium is paid or some other non-issue, as I had autopay, and as I could not talk, as Air into mouth makes pain worse. I only today found one pet's envelope, saying his policy would lapse because of nonpayment dating back to the summer. The week it lapsed I had exhausted my medication and the MD refused, although I was a patient for 3 years, to prescribe medication so I wouldn't become "junky sick" from his prescriptions. I lost 50 lbs from not eating because it hurts to eat - during and after. Tension causes face to tense, causing more pain. I live half a mile from the best beach in Nj. I lost 4 cats who saved my life in a early morning electrical house fire. I have seen the beach once since Memorial Day 2015 due to pain/related emotional distress. They insisted they sent me emails regarding the lapse: 100% wrong. I am an attorney though dues have lapsed as I cannot practice law. If I could, I would bring a class action lawsuit against these people after my experience and reading of others' experiences. Clearly consumer fraud is indicated in my opinion, and I was the attorney in a published case that held landlords are liable under consumer fraud act for unconscionable practices, misrepresentations and no need to prove common law fraud (no need to show jury that the perpetrator INTENDED THAT YOU RELY TO YOUR DETRIMENT- on their misrepresentation. This requires proving their state of mind, which in egregious cases speaks for itself. The case, 49 prospect st tenants seen v Sheva Gardens, et al ( appellate division,1987) also gave NJ a new cause of action: intentional infliction of emotional distress. Since the rep said that "my babies" especially Jack, my favorite, age 9 should be covered, I answered their questions about my pets' past health, after being beside myself that my pet was near death, he cautioned me that if I lie I can among other things go to jail. Still, they run a good con. A 14 day review period required-although advertising says it's 24 hrs. Thanks Nationwide. Why did you change your name if such a great insurer?? Thanks because I will write AARP, to local papers, etc. because I will be advocating for Jack's health. Then I will go after those professionals who injured me or walked away from a lawsuit based on fraud. It's a crying shame there should be strict regulation of this area of insurance but there isn't. If you are interested in advocating for better legislation in this area or wish to brainstorm how to get decent insurance for our "pets" I would be glad to discuss it via email at **. They were nasty on the phone and insisted they sent email to me re lapse due to nonpayment when on autopay and sicker than I've ever been in my life. I had no idea of how they treat claims as I never filed one. I would call to get the form but it never came. I think gets should be told of this site as many vets have VPI information. PS: the man tried to get me to accept a 7500$ limit (bait and switch) care credit card in name of Nationwide so I would have funds. "But I have funds sir", he explained I could get a credit card immediately for peace of mind. I should add that I have extended auto coverage, and during this same period of illness and lapse, that company emailed me several times, wrote me, and although payment was not timely due to expiration of my Amex card, there was good customer service and I paid, nothing lapsed. I can read emails. I know they sent NONE. Let's fight for ourselves and our pets' health. When we get upset and stressed so do they. Nationwide sounds a bit like Countrywide and Bank of America. Countrywide being the mortgage lender part of Bank of America, who allowed their prior customer in Texas with my same name to steal my identity - get social security # as Bank of America sent her rights to my Nj safe deposit box and one of my 2 checking accounts. When an old lady can't fix it in 3 days, the entire Corp denied it ever happened. This is emotional distress as we love our pets and are very distressed when they are in crisis.