Embrace Pet Insurance Blog

Embrace Pet Insurance joins NAPHIA

NAPHIA is the North American Pet Health Insurance Association and Embrace is the 5th member to join (see bottom of this post for the other members).

I'm not one for joining organizations (I have better things to be doing with my time right now) but I thought this is one was worth the time and effort.

Pet insurance is only going to grow if pet parents know more about the benefits of pet insurance and we (embrace) can't do it by ourselves.

Pet Health Insurance Association Grows in Robust Market Adding Additional Pedigree to Board of Directors

May 7, 2009 (Pittsburgh, PA) The North American Pet Health Insurance Association(NAPHIA) announced today the addition of Laura Bennett, President and Chief Embracer of Embrace Pet Insurance to its Board of Directors.

According to Loran Hickton, Executive Director of NAPHIA, “Laura Bennett is a champion of pets and their owners. Along with her team, she has built a successful pet health insurance company, while supporting the most positive principals of third party support for better pet care for all pets. Laura is creative and a keenly focused business person who will add significant value to the efforts of our Board.”

Ms. Bennett has over 16 years of insurance industry experience, including her work for The Canada Life Assurance Company in Toronto, Canada, and Dublin, Ireland, where she held a number of different leadership roles in asset-liability management, strategic planning, and business development. Laura holds an honors mathematics degree from the University of Western Ontario, is a qualified life and health actuary, and holds a chartered financial analyst designation. Laura is the only pet health insurance actuary in North America. Laura received her MBA, with a concentration in Strategic and Entrepreneurial Management from the University of Pennsylvania's Wharton School, where she graduated with several university and peer awards. She was also part of the team that won first prize in the Wharton Business Plan Competition in 2003, with an entry for a pet insurance company.

“I am honored to be a member of this distinguished board and I look forward to working with all pet health insurance providers to educate pet parents on the value of pet insurance, and to promote the highest levels of transparency in pet health insurance,” added Laura Bennett.  

“While this difficult economy presents challenges for consumers and pet owners, it is also driving a robust market for pet insurance; in fact, the market in North America is very strong and has grown over 300% in just the past few years,” continued Hickton.

Research by the American Veterinary Medical Association shows that today pets are truly members of the American family. In the United States, for example, about 60% of households have at least one dog, cat, bird, or other companion animal; many have more than one. There are more than 72 million pet dogs in the U.S. and nearly 82 million pet cats. The owners of these pets spent $24.5 billion on veterinary medicine in 2006, more than double their spending of ten years earlier.

The Board of Directors of NAPHIA:

Jack Stephens, DVM, President & Founder, Pets Best Pet Health Insurance

Darryl Rawlings, CEO & Founder, American Pet Insurance Company, Trupanion™ and Vetinsurance™ brands

Dennis Rushovich, President and Chief Executive Officer of Hartville Group, which includes Hartville Pet Health Insurance, ASPCA Pet Health Insurance™, and Petshealth Care Plan™ brands

Randy Valpy, President & COO, SecuriCan, Petsecure Pet Health Insurance

Founded in 2007, the North American Pet Health Insurance Association is committed to educating and promoting the values and benefits of pet health insurance to North American pet owners, the general public, and the veterinary industry.  For more information, visit www.naphia.orgor call 412-319-7730 / 412-908-9766.

Loran Hickton

Executive Director

North American Pet Health Insurance Association

Pet shipping fraudsters resort to bullying

One of the people who contacted us about her dog being shipped from abroad (Cameroon I believe) pushed back at the scammers:

YOU ARE A FRAUD, USING EMBRACE LOGO IS ILLEGAL, I HAVE SENT YOU TWO NOTICES AND YOU HAVENT GOT BACK TO ME, PEOPLE FROM THE REAL EMBRACE ANIMAL INSURANCE HAS TOLD ME TO GO TO POLICE AND THAT THE REAL EMBRACE INSURANCE IS GOING TO FIND YOU, AND PROBABLY TAKE YOU TO COURT...

Here is the disturbing response:

DEAR CLIENT,

WE AREN'T FRAUDSTERS AND THE MAIN REASON WE NEVER GOT BACK TO YOU IS BECAUSE WE DON'T LOVE TO BE INSULTED.THAT LOGO WE USED WAS CREATED BY ONE OF OUR COMPUTER TECHNICIANS SO WE DON'T KNOW WHAT YOU ARE TALKING ABOUT.

BUT NEVER THE LESS WE RECEIVED PAYMENTS TODAY FROM MARY TROTT FOR YOUR PUPPY'S INSURANCE AND CRATE AND WE ARE VERY HAPPY TO INFORM YOU THAT WE WOULD GET HER SHIPPED OVER TO YOU AS SOON AS POSSIBLE.

ITS BEEN MORE THAN TWO WEEKS TODAY WE HAVE KEPT YOUR PUPPY HERE AT OUR AIRLINES AND SHE HAS BEEN GIVEN MAXIMUM ATTENTION BY THE PET DEPARTMENT AND BY THE VET.SHE WAS BEEN CHECKED EVERY DAY BY THE VET SO THAT SHE SHOULD FALL SICK OR GET ANY ILLNESS FROM HERE BUT THE VET SAYS THE SERVICES HE RENDERED IS FREE OF CHARGE SO YOU WOULDN'T PAY ANY MONEY FOR THE CHECKS HE GAVE YOUR PUPPY EACH DAY.

WE PROVIDED FOOD TO YOUR PUPPY EVER SINCE SHE WAS BROUGHT HERE UNTIL TODAY AND WE EXPECT YOU TO BEHAVE LIKE A RESPONSIBLE WOMAN AND GET ALL FOOD FEES REFUNDED BACK TO US BECAUSE THE INSURANCE AND CRATE FEES YOU PAID IS GOING TO BE REFUNDED BACK TO YOU AS WELL SO WE WOULD WANT YOU TO PAY OUR MONEY BACK AS SOON AS POSSIBLE SO THAT WE CAN GET HER SHIPPED OVER TO YOU.

RIGHT NOW EVERYTHING IS READY FOR HER FLIGHT SHE HAS ALL HER PAPERS IN ORDER BUT WE WOULD GET HER SHIPPED OVER TO YOU ONLY AFTER YOU GET HER FOOD FEES PAID.WE CALCULATED THE AMOUNT OF FOOD WE GAVE HER IT AMOUNTED TO $790 BUT WE CAN'T ASK YOU TO PAY ALL OF THAT SINCE YOU JUST PAID HER INSURANCE AND CRATE FEES.WE WOULD REDUCE THE AMOUNT SO THAT YOU CAN AFFORD IT.

YOU WOULD PAY ONLY $300 FOR HER FEEDING FEES WHICH WE GAVE HER OR ELSE SHE COULDN'T BE ALIVE TODAY AND YOU BEST KNOW THAT FOOD IS VERY NECESSARY RIGHT..SO GO RIGHT NOW AND GET THE MONEY PAID SO THAT WE CAN RECEIVE THE MONEY AND GET THE PUPPY SHIPPED OVER TO YOU.NOTHING IS WRONG WITH YOUR PUPPY,SHE HAS ALL HER PAPERS AND EVERYTHING BUT HER FEEDING FEES MUST BE PAID FIRST AND WE WOULD GET HER SENT ONCE THAT IS PAID.

ONCE YOU ARE READY TO GET IT PAID LET US KNOW SO THAT WE CAN LET YOU KNOW HOW AND WHERE TO GET THE MONEY SENT TO.

THANKS

MANAGEMENT.

Don't be taken in. There is no insurance. There is no puppy.

Related Posts:
Email scam using Embrace Pet Insurance as a lure - bah! - intro to the pet scam
Follow up on Online Scam using Pet Insurance - what you can do if you have been duped :(
Foreign puppy shipping fraud continues - another sample letter from scammers

Foreign puppy shipping fraud continues

I haven't had a post on puppy fraud for a while now (sadly, it still continues though) but we recently got a new example of an email from a fraudster using the Embrace Pet Insurance logos so I thought I'd post it here in case you were scammed by these people.

For more details of the fraud, check out these other posts:
Email scam using Embrace Pet Insurance as a lure - bah!
Follow up on Online Scam using Pet Insurance - what you can do if you have been duped :(

______________________________________________________________________________________

Email details:

PET SHIPPING CUSTOMER DEPARTMENT
PET SHIPPING COMPANY
CUSTOMER DEPARTMENT

GOOD DAY SIR/MADAM,

HERE IS THE PET SHIPPING COMPANY ( PET HEALTH CARE) AND CUSTOM DEPARTMENT.

ATTENTION:::[your name]

I MR MARK HUMPHREY,MANAGER IN CHARGE OF PET INSURANCE AT THE PETS TRANSPORTERS EXPRESS AGENCY PET HEALTH CARE AND INSURANCE DEPARTMENT WISHES TO INFORM YOU THAT YOUR PUPPY FROM MR/MRS MARY TROTT IS NOW REGISTERED AND HAS BEEN CHECKED TO MEET THE INTERNATIONAL REQUIREMENT FOR TRANSPORTATION.ALSO,ALL HEALTH PAPERS ARE AVAILABLE AND THE PUPPY HAS BEEN CONFIRM AND ACCEPTED TO LEAVE MAINE TO TEXAS

GENERAL HEALTH WARRANTY

YOUR PET IS GUARANTEED TO BE HEALTHY, THAT IS TO SAY THERE ARE NO HEALTH PROBLEMS . HOWEVER FOR THIS WARRANTY TO BE EFFECTIVE, YOU MUST:

(1) TAKE YOUR PET TO A LICENSED VETERINARIAN PROMPTLY AND (2) NOTIFY US WITHIN FORTY EIGHT (48) HOURS FROM THE TIME OF SHIPMENT OF ANY MAJOR PROBLEM. UNDER NO CIRCUMSTANCES HOWEVER WILL I BE RESPONSIBLE FOR ANY EXPENSES INCURRED BY YOU.

THE FLIGHT HAS ALREADY BEEN SCHEDULED PAID .THE PUPPY WENT IN FOR CHECK UP AT THE PET BAGGAGE DEPARTMENT AND WE JUST DISCOVERED THE FOLLOWING...

1:THE INSURANCE PAPERS FOR THE PUPPY HAS TO BE PAID BEFORE SHIPPING.WE REQUIRE THE INSURANCE COST FOR THE SAFETY OF THE PET ON THE FLIGHT IN CASE OF ANY PROBLEM AS THE PUPPY WILL BE TAKING A TRANSIT FLIGHT AT VARIOUS TERMINALS.THE INSURANCE COST IS REFUNDED WHEN YOU WILL BE PICKING UP THE PUPPY AT YOUR RECEIVING AIRPORT OR AT YOUR DOOR.THE INSURANCE IS VALID AFTER 12 HOURS FROM THE TIME THE PUPPY HAS BE DELIVERED.THE INSURANCE COST IS REFUNDED UPON PRESENTATION OF A VALID IDENTIFICATION PAPER OR A DRIVING LICENSE AT YOUR DOORSTEPS BY THE RECEIVER OF THE PUPPY.WE JUST NEED THIS INSURANCE TO COVER THE PUPPY ON TRANSIT.

2:PETS CHECKED UP.ALL PETS AND ANIMALS ARE CHECKED UP AT THE PET BAGGAGE DEPARTMENT PRIOR FOR SHIPMENT.A VET DOCTOR IS RESPONSIBLE FOR THIS AND IT IS DONE TO ENSURE THE PUPPY HAS MET UP WITH INTERNATIONAL REGULATIONS ON ALL VET CERTIFICATES AND HEALTH PAPERS.

WE SEE YOU HAVE ALREADY GOTTEN HER CRATE PAID.THATS GREAT!

SO YOU WOULD HAVE TO GET HER INSURANCE PAPERS RENEWED AND GET THE VET INSPECTION FEES PAID AS SOON AS PAYMENT IS DONE,THE PUPPY WILL BE SHIPPED TO YOUR ADDRESS.

-RE-FUNDABLE INSURANCE.........$300.00
-BILLING FOR THE TEST BY VET.........$20.00
-TOTAL.....................................$320....00 OF WHICH $300.00 WILL BE REFUNDED TO YOU UPON DELIVERY OF THE PUPPY AT YOUR HOME.

N.B(1)
WE WOULD NOT GET THE PUPPY SHIPPED OVER TO YOU IF YOU DON'T GET HER INSURANCE AND VET FEES PAID FIRST.

N.B(2)
THE MONEY WHICH YOU ARE GOING TO PAY IS GOING TO BE REFUNDED BACK TO YOU UPON THE PUPPY'S DELIVERY TO YOUR HOME.THE MONEY YOU WOULD PAY IS GOING TO BE 100% REFUNDED BACK TO YOU ONCE YOU RECEIVE HER.SO NO NEED TO BE AFRAID YOU WOULD RECEIVE YOUR MONEY BACK.

ONCE YOU ARE READY TO GET THE $320 PAID LET US KNOW.

MANAGEMENT

_________________________________________________________________________________________________________

If you have paid money to these people, sadly it's lost forever - do not send any more to them.

Related Posts:
Email scam using Embrace Pet Insurance as a lure - bah!
Follow up on Online Scam using Pet Insurance - what you can do if you have been duped :(

Gratuitous Embrace articles and a Free Webinar

First, a couple of gratuitous mentions of articles highlighting Embrace, the first being "In the Doghouse", an article on the Lloyd's of London website covering heriditary conditions in purebred dogs. With the recent controversial stance by the BBC not to show Crufts, the 118-year old dog show (equivalent to the Westminster Dog Show here in the US), the article talks about different costs for different breeds with a few quotes from me.

The second is an interview I did with Dr. Janet Tobiassen over at the About.com Veterinary Medicine site talking about Embrace and our pet insurance product. Check it out - I'm sure you'll learn something about Embrace you didn't know before.

And finally, join me for a free webinar I'm presenting on Tuesday, April 21, 2009 4:00 PM - 5:00 PM EDT. It's a business blogging case study based on Embrace Pet Insurance and is kindly being hosted by Worksmart Emarketing, based here in Cleveland. Do come and join in the fun.

Who or What is PetInsuranceReview.com anyway?

There was a very interesting comment from Chris on a post I did about PetInsuranceReview.com as follows:

I am skeptical about this petinsurancereview site as it does not give any indication as to who is responsible for it's content. Who decides which reviews make it onto the site, and who makes sure that there is no bias. What's more, how does this site pay for its operating costs as it has no visible advertisements, and we all know that no one would maintain a site without a bit of payback... Are the companies themselves involved in this site? Are some companies more involved than others? Very odd...

These are very valid questions that need answers so I asked Mike Hemstreet who runs the site to respond so I could post the answers. Here's his reply to me:

Hi Laura,

Thanks for giving me a chance to respond to the post. I suppose I could do a better job at clarifying these issues on my site. Anyway, here is my answer:

PetinsuranceReview.com is run by Michael Hemstreet and is not affiliated with any insurance company. The goal of the site is to provide objective information and customer reviews to assist pet owners researching pet insurance. The site makes money when a user fills out a form requesting quotes from multiple insurers. This service is available to any pet insurance company that wishes to participate. Whether or not an insurance company chooses to participate has no effect on the content of the site. (Embrace does not participate and they are prominently featured and have one of the highest ratings.)

I take several steps to weed out fraudulent reviews, including scanning the reviewer’s IP address and looking for similar language or sentence structure in multiple posts. While I can’t guarantee the legitimacy of every review, I believe a reader can obtain an accurate view of a company by looking at the cumulative effect of dozens (or hundreds) of reviews.

Mike

I only know Mike from when he contacted us back in September 2006 when he launched the site.

Hope that helps clarify the situation - hopefully Mike will put something up on the site as well. 

Related Posts:
Customer reviews for Embrace Pet Insurance
Pet Insurance Reviews by Customers
Evangelism at its best
Invisible Voices blog entries on pet insurance
"Mo’s How-to guide on getting the most out of pet insurance" on Invisible Voices

News: Embrace Pet Insurance Secures Over $2 Million in First Institutional Funding Round

You may have seen our press release this week - we've just raised our first round of institutional funding. Woo-hoo!

In the evolution of developing company, it's quite a big accomplishment to pursuade professional investors to take a plunge in one's company, particularly in this economic environment, so we feel very positive about our next phase of growth.

“We are excited about NCT Venture's decision to invest in our company and see this funding as a tremendous vote of confidence in our product leadership and growth strategy, particularly in these difficult economic times,” said Bennett, Chief Executive Officer of Embrace. “This investment will help us continue to deliver the industry’s best pet insurance product suite to pet parents, grow our sales and marketing support, and become one of the few in the industry to do so profitably.”
[That Bennett, she's such a know-it-all :)]

We're particularly pleased with NCT Ventures as our investing partners. They are entrepreneurs as well and know from experience the ups and downs of entrepreneurship. We are looking forward to working with them to grow Embrace.

NCT Ventures (www.nctventures.com) is a Columbus, OH-based venture capital firm that is founded by entrepreneurs. The NCT investment team is passionate about people and they believe an idea is only as good the entrepreneurs behind it. Over the past 20 years NCT has helped build and grow many successful companies and they get excited about sharing experiences, methods and time with entrepreneurs through hands-on operational support. NCT’s investment focus is in marketing, logistics and disruptive business models that are headquartered in the Midwest.

Now that we have raised some money, don't be looking for an Embrace Super Bowl ad any time soon (nor a placement on a cable home renovation show - please stop calling!)

It's time to stay focused and continue to grow. This difficult economy is going to be a test but when we make it through the other side, we'll be a better company for it.

Now, back to work; no time for slacking...

Follow up on Online Scam using Pet Insurance

Oh my goodness! After my post yesterday (Email Scam using Embrace Pet Insurance as a Lure - Bah!)about people purchasing pets online (and this includes monkeys of all things), a number of people contacted me confiding they had been duped - one to the tune of $1,300.

Ouch.

All of them asked what they can do to get their money back. If this happened to you (so sad :( ) I'm not sure you are going to see anything back but here's what I've found in my digging online on what you can do.

• If you used Western Union, they can't get your money back for you (they are just a conduit to facilitate money transfer, they don't hold the money or anything) but they can shut down the other party. So, email them at spoof@westernunion.com and let them know what happened. They have more information on fraud online.
• You can file a complaint online at the Internet Crime Complain Center run by the FBI. I'm not sure that much can be done for a complaint against someone in Cameroon but again, reporting it might help others.

There's more information on what you can do in this excellent article called What to Do If You Are Scammed Online.

If you have been a victim of this fraud and do report it, let us know what happens so we can report to others out there going through the same thing.

Related Posts:
Email scam using Embrace Pet Insurance as a lure - bah! - intro to the pet scam
Foreign puppy shipping fraud continues - another sample letter from scammers

Email scam using Embrace Pet Insurance as a lure - bah!

You know you've made it when internet fraud artists start to use your company and its logo to give credibility to their scams.

I would never have believed Embrace would be used in such a way but check out the email below (logos used were inserted as shown for both Embrace and VPI.)

We received it from someone inquiring about our product for shipping the pet she had just purchased online. She was a little disappointed to find out she'd be scammed, so we asked her to pass on the email she had received so others don't fall for the same scheme. The email is in its entirety below (with her personal info removed.)

Just for future reference...

• If someone is trying to sell you a purebred dog from Cameroon online, it's a scam.
• If any of the companies this person mentions don't exist with even a cursory search on Google, it's a scam.
• If the email then asks you for more money to deliver the pet, it's a scam.
• If the email is in capital letters all the way through, it's a scam.

You can find other examples of the same scam just by going to Google and typing in Cameroon Pet Scam

If you are desperate for a purebred dog but can't afford to buy from a breeder direct, you might consider adopting a pet from a breed rescue group here in the US. There's a list of them on the AKC's website and you can search online for clubs in your area.

Related Articles:
Follow up on Online Scam using Pet Insurance - what you can do if you have been duped :(
Foreign puppy shipping fraud continues - another sample letter from scammers

________________________________________________________________________________
From: contact-vpi@insurer.com

To:
CC:
Date: Thu, 9 Oct 2008 10:00:59 -0500
Subject: URGENT NOTIFICATION ON PARCEL No ##########/##

________________________________

***REFUNDABLE INSURANCE REQUIRED FOR PARCEL No ##########/##***

HERE IS THE EMBRACE VETERINARY PET INSURANCE (EVPI) AND HEALTH CARE DEPARTMENT OF THE DOUALA AIRPORT (DLA),CAMEROON WORKING IN COLLABORATION WITH THE AMERICAN KENNEL CLUB (AKC). ALL OF OUR SIRES ARE CERTIFIED THROUGH THE AKC DNA CERTIFICATION PROGRAM. WE GUARANTEE THE PURE BREED YORKSHIRE TERRIER PUPPY SISI JOJO.

ATTENTION:

I AM DR ANGELLO DANIEL, INSPECTORATE OF OF THE EMBRACE VETERINARY PET INSURANCE CAMEROON AND PET HEALTH CARE DEPARTMENT WISHES TO INFORMS YOU THAT YOUR DOG (YORKSHIRE TERRIER PUPPY) FROM MR ACHUE SERGE IS NOW REGISTERED AND HAS BEEN CHECKED TO MEET THE INTERNATIONAL REQUIREMENT FOR SHIPPING. ALSO, ALL HEALTH PAPERS ARE AVAILABLE AND THE PUPPY HAS BEEN CONFIRM AND ACCEPTED TO LEAVE CAMEROON TO CALIFORNIA USA.

GENERAL HEALTH INSURANCE WARRANTY....

YOUR PET IS GUARANTEED TO BE HEALTHY, THAT IS TO SAY THERE ARE NO HEALTH PROBLEMS. HOWEVER FOR THIS WARRANTY TO BE EFFECTIVE, YOU MUST:

-TAKE YOUR PET TO A LICENSED VETERINARIAN PROMPTLY AND PET INSURANCE HELPS YOU MANAGE UNEXPECTED BILLS FROM VETERINARY UPON THE ARRIVAL OF YOUR DOG.

-NOTIFY ME WITHIN FORTY EIGHT (48) HOURS FROM THE TIME OF SHIPMENT OF ANY MAJOR PROBLEM. UNDER NO CIRCUMSTANCES HOWEVER WILL I BE RESPONSIBLE FOR ANY EXPENSES INCURRED.

-WE HAVE DESIGNED A SIMPLE CLAIMS PROCESS TO MAKE SURE YOU GET YOUR REIMBURSEMENT AS QUICKLY AS POSSIBLE.

THE FLIGHT HAS ALREADY BEEN PAID. THE PUPPY WENT IN FOR CHECKED-UP AT THE AIRLINES INSURANCE AND HEALTH CARE CHECKING DEPARTMENT OF THE DOUALA AIRPORT (DLA) LITTORAL ,CAMEROON AND WE JUST DISCOVERED THE FOLLOWING.

1: REFUNDABLE PET INSURANCE. THE EVI REIMBURSEMENT PAPERS FOR THE PUPPY HAS TO BE PAID BEFORE SHIPPING. WE REQUIRE THE INSURANCE REIMBURSEMENT COST FOR THE SAFETY OF THE PET ON THE FLIGHT IN CASE OF ANY PROBLEM AS THE PUPPY WILL BE TAKING A TRANSIT FLIGHT AT VARIOUS TERMINALS. THE INSURANCE COST IS REFUNDED BY THE DELIVERY AGENT UPON HIS/HER ARRIVAL FOR THE HOME DELIVERY OR AIRPORT PICK UP.

AN EMBRACE PET INSURANCE POLICY PROVIDES REIMBURSEMENT COVERAGE FOR YOUR PETS ELIGIBLE MEDICAL TREATMENTS, SURGERIES, LAB FEES, X-RAYS, PRESCRIPTIONS AND MORE, SO THAT YOU CAN MAKE OPTIMAL HEALTH CARE DECISIONS FOR YOUR PET BASED ON YOUR VETERINARIAN'S RECOMMENDATION, RATHER THAN ON THE COST OF TREATMENT.

THE INSURANCE COST IS REFUNDED BACK UPON PRESENTATION OF A VALID IDENTIFICATION PAPER BE IT A DRIVERS LICENSE OR SOCIAL SECURITY CARD. WE JUST NEED THIS INSURANCE AS A COVER FOR THE PUPPY ON TRANSIT........ THIS IS A REQUIRED PET INSURANCE AND IS VALID FOR 6 MONTHS PERIOD.

2: PETS CHECKED UP. ALL PETS AND ANIMALS ARE CHECKED UP AT THE PET BAGGAGE DEPARTMENT PRIOR TO SHIPMENT. A VET DOCTOR IS RESPONSIBLE FOR THIS AND IT IS DONE TO ENSURE THE PUPPY HAS MEET UP WITH INTERNATIONAL REGULATIONS ON ALL VET CERTIFICATES AND HEALTH PAPERS.

A: TO MAKE SURE THAT YOUR DOG IS UP TO DATE ON ALL VACCINATION.
B: IT WILL HELP TO KNOW IF THE PUPPY HAS ALL THE RABIES SHOTS OR NOT.
C: WILL HELP TO KNOW THAT THE PUPPY HAS ALL AVAILABLE HEALTH PAPERS AND CERTIFICATE TO MAKE SURE THAT NO QUARANTINE WILL TAKE PLACE WHEN THE ARRIVE IN USA. ALL THE ABOVE HAS BEEN DONE AND THE PUPPY HAS BEEN CONFIRMED FOR SHIPPING.

THE PUPPY TOOK SOME VACCINES THAT HAS TO ENABLE HIS SAFETY ON THE FLIGHT. ALL THESE IS TO ENSURE THE SAFETY OF YOUR DOG UPON ARRIVAL AND DELIVERY. YOUR PUPPY HAS NOT BEEN PUT ON THE FLIGHT BECAUSE OF THE REFUNDABLE INSURANCE AND VACCINES;

-REFUNDABLE INSURANCE............................................$388.00 (Refundable)
-VACCINES AND BILLING FOR THE TEST BY VET.......$100.00 (Non-Refundable)
TOTAL.......................................................................................................$488.00 (OF WHICH $388.00 WILL BE REFUNDED TO YOU IN FULL AND CASH UPON DELIVERY).

NAME OF PUPPY IS SISI JOJO, IN TRAVEL CRATE NO: ZHP-013H1200, HEADING TO MINETA SAN JOSE INTERNATIONAL AIRPORT (SJC) WITH REGISTRATION CODE ##########/## TO THE FOLLOWING ADDRESS:

[name of people buying the puppy]
ADDRESS: CALIFORNIA
MINETA SAN JOSE INTERNATIONAL AIRPORT (SJC)
EMAIL: [their email]
PHONE: [their phone number]

THE YORKSHIRE TERRIER PUPPY IS IN GOOD HEALTH BUT THE RECENT INTERNATIONAL POLICY ON PETS IMPORT DEMANDS, THAT A TEST HAS TO BE CONDUCTED ON THE ANIMALS BEFORE TRANSPORTATION. FOR THE PAYMENT, WE HAVE BEEN FACING DIFFICULTIES DEBITING CREDIT CARDS ,SO YOU ARE REQUIRED TO USE OUR OTHER OPTION WHICH IS WESTERN UNION MONEY TRANSFER SINCE WE ALSO HAVE THE SERVICE IN OUR SECTOR.

BELOW IS OUR MONEY TRANSFER ADDRESS TO THE EMBRACE VET PET INSURANCE, CAMEROON.

NAMES: LAURA MAHH.
ADDRESS: 77 Carrefour Arkasia, Apat 3.
STATE/CITY: LITTORAL/DOUALA.
POSTCODE: 00237-7720 3889
COUNTRY: CAMEROON.
TEST QUESTION:URGENTLY?
ANSWER:NEEDED.

AS SOON AS PAYMENT IS DONE, GET BACK TO US FOR PAYMENT CONFIRMATION AND WE SHALL ISSUE YOU A RECEIPT FOR THE REFUNDABLE. GET BACK TO US WITH THE PAYMENT DETAILS (MTCN) AFTER THE MONEY HAS BEEN SENT SO THAT WE CAN SEND YOU THE FLIGHT AND PICKUP DETAILS OF YOUR PUPPY.

N.B. YOU ARE ADVISED TO KEEP A COPY OF THE TRANSFER RECEIPT AS YOU WILL BE REQUIRED TO SHOW THAT ALONG WITH YOUR IDENTIFICATION PAPER BEFORE REIMBURSEMENT.

HEALTH AND INSURANCE DEPARTMENT.
WE KNOW YOU HAVE A CHOICE
DR ANGELLO DANIEL
INSURANCE AND HEALTH INSPECTOR.
DOUALA INT AIRPORT (DLA)
CAMEROON 00237
+237-7720-3889
contact-vpi@insurer.com

Purina Care Pet Insurance launches

After much anticipation, Purina Pet Insurance has launched its website and is up and running. We noticed it late last week so I'm sure we can expect some fanfare starting tomorrow.

It's great to have such a high profile competitor bring awareness to the industry. As I say, all boats rise on that tide.

Related Posts:
Purinacare Pet Insurance Underwriter
Purina Pet Insurance in the US
Purina Starts to Rev the Pet Insurance Engine

PurinaCare Pet Insurance Underwriter

Have you been guessing who it is?

It's quite easy to find really, if you know where to look. Purina has filed their product in every state they intend to sell in (and I'm assuming that that's all of them) so if you check the pet insurance filings for Florida (you can do this online), you'll find the underwriter is (drum roll please...) the New Hampshire Insurance Company.

What - you say? You've never heard of the New Hampshire Insurance Company? Well, it just happens to be a subsidiary of AIG - you've probably heard of that one.

So, big brands all round.

So, now we all have to wait for the big launch. Spring has nearly sprung, it should be any minute now.

UPDATE: strangely enough, exactly when I posted this, AIG reported horrible losses from declines in their credit-based portfolio investments. Maybe they won't be so keen to launch a pet insurance product after all?

Related Posts:
Purina Pet Insurance in the US
Purina Starts to Rev the Pet Insurance Engine