We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
pet insurance question - making a claim
glamlovinkitty
Posts: 266 Forumite
Hi
Hope someone can advise, before I phone the insurers, as I want to be armed with a bit of knowledge.
My cat is with More Than, and has been for about 6 years. About 18 months ago he developed an overactive thyroid which has been regulated with medication. It's not that expensive so I've not claimed for it. I've never made a claim at all, in fact, on this policy.
However, the vet is now suggesting either surgery or radioactive iodine treatment, which will cost between £400 - £1200 depending on what treatment we go for. But, I see More Than have a thing in their policy saying that for ongoing illnesses, you must make a claim within 30 days of the start of treatment.
My question is, do they mean the treatment you are claiming for (ie, the surgery or iodine treatment), or the very first treatment for the condition (ie when he was first diagnosed).
I am panicking now that, because I tried to keep my premiums down by not claiming for the medication, I'm now going to be refused cover for the expensive stuff!
Hope someone can advise, before I phone the insurers, as I want to be armed with a bit of knowledge.
My cat is with More Than, and has been for about 6 years. About 18 months ago he developed an overactive thyroid which has been regulated with medication. It's not that expensive so I've not claimed for it. I've never made a claim at all, in fact, on this policy.
However, the vet is now suggesting either surgery or radioactive iodine treatment, which will cost between £400 - £1200 depending on what treatment we go for. But, I see More Than have a thing in their policy saying that for ongoing illnesses, you must make a claim within 30 days of the start of treatment.
My question is, do they mean the treatment you are claiming for (ie, the surgery or iodine treatment), or the very first treatment for the condition (ie when he was first diagnosed).
I am panicking now that, because I tried to keep my premiums down by not claiming for the medication, I'm now going to be refused cover for the expensive stuff!
0
Comments
-
This is the wording:
All claims for veterinary treatment fees must be submitted within 30 days of first treatment.
For ongoing treatment you must submit ongoing claims every 3-6 months0 -
glamlovinkitty wrote: »About 18 months ago he developed an overactive thyroid which has been regulated with medication. It's not that expensive so I've not claimed for it. I've never made a claim at all, in fact, on this policy
Has the condition been notified? It may be that when you claim for this new therapy they can get out of it if it has been present for 18 months and you didn't declare it.
However if they know about it, and you chose not to claim for the medication this shouldn't cause an issue now.0 -
No, I didn't notify them, as I wasn't claiming and it wasn't an existing condition when I took the policy out.
You think you're doing the right thing not claiming when you don't need to, but they always find a way to avoid paying up!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.3K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards