Pet Insurance

Ilovemydogx

This is my first post so bare with me, my husband took out insurance for our dog but when recently she needed xrays I checked and realised he had only insured her up to £2,000 per condition. We could not up the insurance as it would be an amendment and would not be covered if there was anything wrong, xrays have come back ok so no problems. Our current insurer only provides cover up to £6,000 on the best policy but I would to raise it to around £10,000.

What I would like to know is are we able to claim for the xrays as there is no condition and change insurers or would we have to just have to eat the cost and change insurers?

Any advice please? x

sheramber

Whether you claim or not the symptoms and xrays remain a 'pre existing condition' which must be declared to any new insurer , so you may as well claim the costs.

You can contact a new insurer and ask to speak to the underwriter. You may be able to get exemption for the 'pre existing condition' after a set time with no further problems.

Petplan will do this after 2 years symptom free in some cases. I don't know about other companies. Make sure you get any exemption in writing.

Be aware, anything that you have asked your vet about, whether treatment resulted or not, and anything that can be related to it is considered a pre existing condition and excluded unless agreed otherwise.

Also, there is an exclusion period at the start of a new policy, often 14 days. Anything occurring in that time will not be covered so you need to overlap the policies to ensure you are covered. Of course, if anything occurs during this time you will need to claim on the old policy and it will be an exclusion on the new policy so you may need to stick with the old policy if it is an ongoing condition.

Ilovemydogx

Thank you for your advice, we will claim and go from there.