Pet insurance claim

sangie595

gettingready wrote: »

But this is what the OP was doing so far, putting money away instead of taking up insurance.. and clearly it was not enough to cover the bill AND lots would be excluded if he takes a policy now.

OP- hoe the kitty recovers well

No that isn't what the OP has been doing - they have neither saved the money nor taken out insurance, and the £600 they talk about is a notional amount based on what they "think" they have saved by not having insurance.

However, what I am talking about now is the fact that they face a much larger premium and potentially exclusion from claiming on anything that could be connected to this injury. They could therefore be paying a much larger amount to not be covered. In which case they may be better off looking at alternatives. Even if it is only £600 that you have saved, it is £600 more than a refusal to pay from insurance. Having insurance from the start is a different matter, but that door has closed.

sheramber

When I insured my !!!!! sh e had exclusions for anything connected with neck, spine and hips due to a previous accident.

Petplan still paid out far more than I paid them over the subsequent years.

Only once the OP gets quotes and finds out exactly what is excluded can she decide whether it is worth paying for insurance or putting money away. She may consider taking out a lower benefit policy and also saving some money towards what would not be covered.

It also depends on whether the OP can out money away and not dip into it for something else.

gettingready

No that isn't what the OP has been doing - they have neither saved the money nor taken out insurance, and the £600 they talk about is a notional amount based on what they "think" they have saved by not having insurance.

£600ish is saved from not having taken a policy before (average of £10 a month).

Yes, you are right. Lots of people think this way and get burnt... Glad OP has the money to pay the vet fees but need a plan forward now

robrymond

Thanks for all the advice. Sadly he passed away on Tuesday night. He was due to come home earlier that day but took a turn for the worse and after CPR could not be bought back.

We are gutted especially as the bill is so high as he was in the emergency vets for 4 days with care, but we gave him the best opportunity we could. Infact we may have had to make a decision in the next few days and that perhaps would have been harder to swallow considering the bills already.

KxMx

I'm so sorry for your sad loss.

I too have been left in the position of high bill and no pet.

Next time it was insurance all the way. In 10 years i've not had to claim yet for her but perfectly happy paying a tenner a month for peace of mind!

Low income so self insuring wasn't & isn't a viable option for me.

robrymond

Yeah, don't think we'll have another cat now (they wouldn't integrate with the dog) but will remember for next time.

He was only 3 1/2 as well, they think someone kicked him and bruised his lungs.

sangie595

So sorry for your loss.

If the dog is used to having a cat around, a kitten would be fine. Baby animals learn to live with what they have - they don't think dogs are scary if they have always been with one. Unfortunately, there are always many kittens around who need a home.

rising_from_the_ashes

oh no, I'm so very sorry he didn't make it xx

robrymond

sangie595 wrote: »

So sorry for your loss.

If the dog is used to having a cat around, a kitten would be fine. Baby animals learn to live with what they have - they don't think dogs are scary if they have always been with one. Unfortunately, there are always many kittens around who need a home.

Yeah they do usually but I wouldn't trust the dog. He is a GSD and anything that moves quick he likes to chase. He wouldn't have bad intentions but a tiny kitten would be too risky.