trapped in pet insurance policy?

boliston

Surely the policy will ask if any pre existing conditions exist - if the bump caused no injury then there is no condition to declare - i think i would also look at other vets in the area - my partner recently moved her cats from a primarily profit driven vet (constantly pushing expensive treatments and insurances) to one that actually cares about the pet rather than pure profit.

pinkteapot

Check wordings very carefully when getting quotes. Some pet insurers exclude pre-existing conditions (ie diagnosed conditions). Some exclude anything related to any symptom the pet has ever had! You'll want to get any exclusions noted in writing from the insurer, and check they're not too vague and sweeping.

We're stuck with More Than for the rest of our kitty's life because in our first year with them he had both fight wound complications and trouble with an upset stomach for a few months, and if another insurer excluded everything like that it would rule out most of the things you need to take cats to the vet for. *sigh*!

Read up on the types of pet insurance. The biggest difference is between annual and lifetime cover. Annual (quite a bit cheaper) is a new policy each year, and at the end of each year any conditions during that year become pre-existing.

Lifetime means that - so long as you renew every year so have continuous cover - things you claim for in year 1 could be claimed for again in year 3 or whenever. With lifetime there are usually still restrictions on the total you can claim in any one year or for any one condition.

teddysmum

Someone on another forum's dog had it's leg injured by a stupid person using a wire extension lead, which cut into her dog's leg as the person chased after their pulling dog.


She couldn't get any insurer to cover a leg problem of any kind; even a cancer, in another leg, which could not be blamed on the accident.