Pet Insurance guide discussion area

buddyblack3

Hope this might be helpful. My pony was recently diagnosed with this condition and is being currently treated successfully with the drug Prascend. I submitted a claim with Petplan for treatment costs, only to have it rejected. I was told that Petplan will now, if you submit a claim for Cushings, also treat this as a claim for Laminitis, (a condition that Cushings can cause, but a condition that a pony can get and not necessary have Cushings)- so they will look back into the animals veterinary history and if Laminitis is mentioned, (doesn't have to be claimed for), they will say this was when the symptons first showed, and if its 12 months or more ago, (time you have to claim in), they will reject. This is what happened in my case. They have also cited the fact that vet mentioned, getting the pony tested at some point,for Cushings as another reason!

Veryskint

Having been with Axa for some years, they have transferred us to a new company. The monthly premium was £15 per month a few years ago but the new co are asking for over £40/month.

Looking around I can insure my 6.5 yr old welsh terrier (fit and well, no previous claims or conditions) with Legal and General for £21/month for a lifetime cover.

Has anyone had good or bad experience with L&G for pet ins, I cannot see anything written about them good or bad.

Thanks

Veryskint

Actually just realised this one includes an additional excess of 20% once the dog is 8 or over. This is a bit pants, if he were to have an accident or serious illness we might not be able to afford that 20%. I am struggling with the comparison websites, can anyone recommend a policy that offers lifetime cover and doesn't have a % contribution but just a straightforward excess?
many thanks

sheramber

Veryskint wrote: »

Actually just realised this one includes an additional excess of 20% once the dog is 8 or over. This is a bit pants, if he were to have an accident or serious illness we might not be able to afford that 20%. I am struggling with the comparison websites, can anyone recommend a policy that offers lifetime cover and doesn't have a % contribution but just a straightforward excess?
many thanks

The fact that it has the additional excess is why it is cheaper- cheaper premium, higher excess.

Legal and General only cover £3000 per condition which is not a large amount for an ongoing conditon. Once you have used up that amount you have no more cover for that condition.

Other companies will offer a higher amount per condition- £6000 or £7000.

The top cover is an amount for vet fees which reinstates each new policy year so your £6000 or £7000 etc is available each year for life.

There are not many companies offering a fixed excess into old age. You need to read the policy wording carefully or phone and ask if there is an additional excess added.

Petplan don't charge the additional precentage until 10 years old but they can be expensive , although my !!!!! is only a few pounds dearer per month then she is at present with AXA.

Other companies introduce the additonal percentage at 6 years or 8 years.

You need to decide what level of cover you want and choose accordingly.

I too need to consider what I am going do. My renewal is not due until August and she does have a previous calim for a cruciate repair so it is a toss up whether I wait in case there are any related problems or change now before anything else develops.

I also put a sum away each month to cover any excess due on a claim.

Veryskint

Are you still with AXA? That is who we were with and who have passed us over to NCI who want over £40 a month, as opposed to last years £25/month from AXA.

sheramber

Veryskint wrote: »

Are you still with AXA? That is who we were with and who have passed us over to NCI who want over £40 a month, as opposed to last years £25/month from AXA.

Axa's premiums were low , hence the business didn't pay and they ditched it rather than hike up the premiums themselves and get a lot of flak.

Get a quote from other companies and see how they compare with your quote from NCI. That is a more realistic comparison.

LadyJ89

I am getting a cat soon and so far Morethan insurance seem the best option.

spendy

Hi all, hoping you can help me. I am just looking at Petplan insurance for my MinPin cross.

There is a clause saying "I understand that pre-existing conditions will not be covered. Pre-existing conditions are illnesses and injuries which happened or your pet showed signs of before your policy starts."

So if my dog had an anal gland infection, which was treated with antibiotics, does that mean that in the future, should something else anal gland related require surgery I won't be able to claim?

Hope that makes sense.

Thanks

MySisterWinsEverything

I think they will class it as a pre exsisting, my lab just had an op on her anal glands and because she had them cleaned out by vet last oct when we were in having her checked out, they have refused to pay out on the claim, even though she has been insured for years as even though she didn't have a problem then they are saying that they class the treatment to start from then so the op is over the year, so no payment, so be warned, we were with Pet Plan

sheramber

If your vet can certify that it is a new condition that is not related to previous treatment then petplan may accept the claim.

Also, in some cases I believe Petplan will accept claims after two years if the animal has been free of any problem or treatment .

You can confirm this by phoning or emailing Petplan to ask.

No insurance company will cover a condition that first showed signs before the policy commenced, even if no treatment was required at that time.

If your policy is for cover for 12 months only then the commencement date is from first sign of illness or condition. This is normally the cheapest option but cover is limited for ongoing conditions.

A policy for an amount per condition is a dearer option, while an annual sum for vet fees reistated each year is the most expensive option.

With Petplan you can claim for treatment up to 12 months after.

Other companies have different limits.

It is very important that you read the policy document- not just the policy summary- carefully.