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Pet Insurance Advice Please
fiscalfool
Forumite 88 Posts
Hi All
I'm hoping you can provide some insight and advice
I have a 10 year old rescued dog, who I have had since a puppy.
He is insured with M&S, and whilst their premiums were reasonable at first, each year they increment has gone up rapidy. He is now costing over £66 a month to insure. (£800 per annum).
Now, my concern and reluctance to change, is that I feel that they have me over a barrel.
My dog had a luxated patella (slipped kneecap) in his hind leg as a puppy and required significant veterinary expenses. M&S explained to me that if I were to change provider, that under pre-existing conditions he would not be covered for any medical issues with the leg that was treated. BUT, as one leg had received treatment, the other leg was likely to occur, and would also be classed as a pre-existing condition.
I suspect that as he is now much older, the chances of the patella luxating is much less. But, I don't want to run the risk of changing insurer and finding out for example that he has bone cancer in his rear legs and they refuse to cover treatment.
Do M&S really have me over a barrel??
Yours rather confused!
I'm hoping you can provide some insight and advice
I have a 10 year old rescued dog, who I have had since a puppy.
He is insured with M&S, and whilst their premiums were reasonable at first, each year they increment has gone up rapidy. He is now costing over £66 a month to insure. (£800 per annum).
Now, my concern and reluctance to change, is that I feel that they have me over a barrel.
My dog had a luxated patella (slipped kneecap) in his hind leg as a puppy and required significant veterinary expenses. M&S explained to me that if I were to change provider, that under pre-existing conditions he would not be covered for any medical issues with the leg that was treated. BUT, as one leg had received treatment, the other leg was likely to occur, and would also be classed as a pre-existing condition.
I suspect that as he is now much older, the chances of the patella luxating is much less. But, I don't want to run the risk of changing insurer and finding out for example that he has bone cancer in his rear legs and they refuse to cover treatment.
Do M&S really have me over a barrel??
Yours rather confused!
0
This discussion has been closed.
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Replies
Yes, what they say is correct.
The leg that was treated will be excluded and if the same condition arose in the other leg then it would be considered a linked condition.
That generally applies with all insurance companies.
There are companies that will cover pre existing conditions for a dog under 2 years old which doesn't apply in your case.
Others will exclude a condition if it does not recur or need any treatment for 2 years. For these cases you need to speak to the underwriters and get it written into the policy.
Depending on the cost, you could change to a cheaper policy and put the extra money in a separate account to use if he needs further treatment. I did that with an older dog when I decided I would not be prepared to put him through any extensive treatment due to his age.
I had a £60 policy excess but if I changed to a £120 policy excess it reduced the monthly premium. It was still cheaper to go elsewhere though but since it looks like you might have to stay with your provider, that's something to consider
There some providers who will take a pet on with existing conditions if they haven't claimed in the last 2 years for it.
Link above shows some.
x
The fact that you say Petplan have paid out more than you have paid in shows the danger of self insuring. Would you have enough money put away to cover any necessary treatment.
You need to have built up a considerable sum before that works.
Petplan tend to be expensive, but are one of the few companies that do not increase premiums if you make a claim . Most companies do. They do , of course, increase premiums to cover inflation and ongoing cost but if have two dogs of the same age and breed they will have the same premium for the same cover, even if one has had a lot of claims and the other none.
Aaaah that's a good option. Thank you. Never had to claim for anything since his knee op as a puppy.
I had a look around, and followed some of the links lower in this thread. Seems you're correct, that his age precludes him from a lot of options now.
I wouldn't want to find out that in his latter years, when he might need care, that he isn't covered. So other than the above suggestion of reducing the premium by increasing my excess, then I shall have to grin and bear it.
Thank you. Had a look at that link. I think he's now too old for most of the other companies to cover. The couple who did quote, were not much different to the current quote, and at least that cover won't be hamstrung or compromised in any sense.
I appreciate they are expensive because of quality but I wondered if anyone had knowledge of people trying to haggle down the price at all, even just a knocking a little off? I feel like they might not be receptive because they know I won't have much in the way of other options.
Thank you