Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Smb3088
    • By Smb3088 11th Mar 17, 9:17 AM
    • 121Posts
    • 16Thanks
    Smb3088
    Pet Insurance Crooks
    • #1
    • 11th Mar 17, 9:17 AM
    Pet Insurance Crooks 11th Mar 17 at 9:17 AM
    My dog has needed to put a claim in for allergy testing. Of course true to belief my insurance are trying to state this is a pre existing condition. Grrr. She's only 17 months old, most dogs develop allergies after 2 years, so already I have a special dog case. She's never suffered before when I claimed and stated ?!! I'm livid. But now I'm trying to plan ahead, and wondered if anyone knew insurance companies who help out with pre existing conditions. As if I change companies now it will be classed as pre existing? anyone know of any ?
Page 1
    • Rev
    • By Rev 11th Mar 17, 12:17 PM
    • 2,944 Posts
    • 2,684 Thanks
    Rev
    • #2
    • 11th Mar 17, 12:17 PM
    • #2
    • 11th Mar 17, 12:17 PM
    As far as I know non deal with pre existing conditions.
    Sigless
    • krlyr
    • By krlyr 11th Mar 17, 12:59 PM
    • 5,728 Posts
    • 11,821 Thanks
    krlyr
    • #3
    • 11th Mar 17, 12:59 PM
    • #3
    • 11th Mar 17, 12:59 PM
    There are a couple of companies who will extend cover to pre-existing conditions if the dog goes a fixed perod without symptoms or treatment. VetsMediCover do it after 24 months symptom/treatment free.
    • Undervalued
    • By Undervalued 11th Mar 17, 1:00 PM
    • 2,763 Posts
    • 2,501 Thanks
    Undervalued
    • #4
    • 11th Mar 17, 1:00 PM
    • #4
    • 11th Mar 17, 1:00 PM
    My dog has needed to put a claim in for allergy testing. Of course true to belief my insurance are trying to state this is a pre existing condition. Grrr. She's only 17 months old, most dogs develop allergies after 2 years, so already I have a special dog case. She's never suffered before when I claimed and stated ?!! I'm livid. But now I'm trying to plan ahead, and wondered if anyone knew insurance companies who help out with pre existing conditions. As if I change companies now it will be classed as pre existing? anyone know of any ?
    Originally posted by Smb3088
    Well you need to argue this out with the company and, if necessary, the FOS. If you just move to another company then it definitely will be a pre existing condition with them.

    Can your vet provide any evidence to help you dispute their decision not to pay?
    • Smb3088
    • By Smb3088 11th Mar 17, 2:05 PM
    • 121 Posts
    • 16 Thanks
    Smb3088
    • #5
    • 11th Mar 17, 2:05 PM
    • #5
    • 11th Mar 17, 2:05 PM
    Ill try speak with my vet, but my vet also put a false bit of information saying she'd tried a 4w food elimination prior to my consultants on with the vet? It was a change of food brand, and not a trial diet. I think the vet said it, as it would be used to help determine the allergies cause.... I changed vets as when I realised what a novice incompetent vet he was, I found a top rated vet who I really trust. He might be able to prove its not pre existing, as I will need to dispute this, as it's not true therefore not fair to instigate? Are the FOS any good at assisting dispute cases?
    • sheramber
    • By sheramber 11th Mar 17, 7:43 PM
    • 3,150 Posts
    • 2,419 Thanks
    sheramber
    • #6
    • 11th Mar 17, 7:43 PM
    • #6
    • 11th Mar 17, 7:43 PM
    If your vet gave the insurance company that information it is correct that they refused the claim. They can only assess the information given in the medical history given by the vet.

    Your argument is with the vet who you say gave the wrong information.

    You would need to get that vet to tell the insurance company that that information was wrong.

    If the insurance company still refused the claim you need to follow their complaint procedure which should be detailed in the policy document.

    Once you had a final refusal from the insurance company you can escalate your complaint to the FOS. They look at the information given by both sides and decide whether the refusal is justified or not.
    • gettingready
    • By gettingready 13th Mar 17, 1:06 AM
    • 10,791 Posts
    • 16,186 Thanks
    gettingready
    • #7
    • 13th Mar 17, 1:06 AM
    • #7
    • 13th Mar 17, 1:06 AM
    Which insurance company is it? Animal Friends by any chance?
    • Smb3088
    • By Smb3088 13th Mar 17, 8:54 PM
    • 121 Posts
    • 16 Thanks
    Smb3088
    • #8
    • 13th Mar 17, 8:54 PM
    • #8
    • 13th Mar 17, 8:54 PM
    Yup... Animal Friends??? How ever did you guess...l
    • sheramber
    • By sheramber 14th Mar 17, 1:28 PM
    • 3,150 Posts
    • 2,419 Thanks
    sheramber
    • #9
    • 14th Mar 17, 1:28 PM
    • #9
    • 14th Mar 17, 1:28 PM
    just say it sounds familiar.
    • gettingready
    • By gettingready 14th Mar 17, 1:44 PM
    • 10,791 Posts
    • 16,186 Thanks
    gettingready
    Yup... Animal Friends??? How ever did you guess...l
    Originally posted by Smb3088

    Not unheard of and quite well documented if you care to Google.

    You have one type of reviews, all glowing from people who took up that particular insurance but never had to claim yet and are praising customer service, price etc etc

    Then you have all the horror stories from the ones that have tried to claim on this insurance.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,381Posts Today

6,841Users online

Martin's Twitter
  • The strange thing with a 4yr old is having to play & smile while inside feeling sick for those in trauma in my birth town #Manchester

  • Just a quick ta-ta for now. I'm taking the week off for family time with mini and Mrs MSE. So I won't be here much. Back after the bank hol

  • Ugh another one trying it! Beware https://t.co/Ab9fCRA76F

  • Follow Martin