Pet claim insurance

LuluPoppins

My dog needed an knee operation, developed after we took out policy and covered by plan no problem. Policy was up for renewal  4thJan 2024 so we got in quick as we have a limit to the amount we can claim and know that the other knee will need to be done. Op was December 18th. Policy paid out 9th Jan once new renewal has started.
Now are saying they won't cover next knee even though we did op and claimed in previous term but they didn't pay out till it had renewed. 
Hope this makes sense! I'm panicking!
Thoughts?

_Dolly_Rocker_

So just to clarify you just continued on with the same policy and accepted their renewal price? 

If so I don't understand why that wouldn't be covered. I know they don't cover existing illnesses etc if you get a brand new policy but wasn't aware that this was the case year to year with the same provider when you hadn't cancelled. 

Who are you insured with?

TSx

The date that matters isn't the policy, it's when you knew about the issue

If you knew both knees needed to be done before the policy renewed, but didn't claim until after for the second knee, they are right to put it in the same policy year and the existing limits will apply.

If it's a clear distinct (and unlucky event) that both knees needed operations in quick succession then the Insurer should pay out based on when the second knee operation was known to be needed - but vet notes are going to be key and if they suggest that the two are linked, then you're not likely to get far with the second claim.

DullGreyGuy

LuluPoppins said:

My dog needed an knee operation, developed after we took out policy and covered by plan no problem. Policy was up for renewal  4thJan 2024 so we got in quick as we have a limit to the amount we can claim and know that the other knee will need to be done. Op was December 18th. Policy paid out 9th Jan once new renewal has started.
Now are saying they won't cover next knee even though we did op and claimed in previous term but they didn't pay out till it had renewed. 
Hope this makes sense! I'm panicking!
Thoughts?

Did you renew with the same insurer?
What level of cover do you have?

The most basic cover will include up to £X in Y months... once X or Y is hit, whichever happens first, there is no more cover for that illness or injury. 

The next step up is £X... once you've hit that amount there is no further cover for that illness or a particular injury

The top tier is "lifetime" where its £X per policy year

elsien

I think it also depends whether it’s genuine lifetime cover that you have or whether it’s cover for that policy year and at the end of each year they look at treatment and consider not only payment limits but also any new exclusions.  

It’s not just about the money amount each year, some policies reset each year and any conditions may cease to be covered from that point. 

Who are you insured with and  what type of policy is it?. 

sheramber

It depends on what your policy document says it covers. 

Some policies consider a claim for a condition in a part of the body that is bilateral  e.g. legs, eyes, ears, as one condition.

So if the l £x limit of your claim is reached with the first op, there is no cover for the second one and it will be excluded from further cover.

if you want someone to check for you then tell us who the policy is with and what type of policy it is

Vet fees limit,  per condition limit or lifetime cover where vet fee limit is reinstated each year.

35har1old

_Dolly_Rocker_ said:

So just to clarify you just continued on with the same policy and accepted their renewal price? 

If so I don't understand why that wouldn't be covered. I know they don't cover existing illnesses etc if you get a brand new policy but wasn't aware that this was the case year to year with the same provider when you hadn't cancelled. 

Who are you insured with?

It needed to paid in the previous policy year to have sufficient money to pay for the next operation.
Could you put of the next operation to the next policy year I know this might be hard on the pet

35har1old

TSx said:

The date that matters isn't the policy, it's when you knew about the issue

If you knew both knees needed to be done before the policy renewed, but didn't claim until after for the second knee, they are right to put it in the same policy year and the existing limits will apply.

If it's a clear distinct (and unlucky event) that both knees needed operations in quick succession then the Insurer should pay out based on when the second knee operation was known to be needed - but vet notes  are going to be key and if they suggest that the two are linked, then you're not likely to get far with the second claim.

It's all to do with the policy date . if you have ongoing treatment there could be claims made on a monthly bases and the policy then resets on renewal.its not when you no the pet will need a operation it is when the claim is made so the claim could be made 13 months from now.As with the claim for the first operation could have a claim for diagnosis  then another claim for the operation itself and then further claims for aftercare

DullGreyGuy

35har1old said:

_Dolly_Rocker_ said:

So just to clarify you just continued on with the same policy and accepted their renewal price? 

If so I don't understand why that wouldn't be covered. I know they don't cover existing illnesses etc if you get a brand new policy but wasn't aware that this was the case year to year with the same provider when you hadn't cancelled. 

Who are you insured with?

It needed to paid in the previous policy year to have sufficient money to pay for the next operation.
Could you put of the next operation to the next policy year I know this might be hard on the pet

That will depend on the type of policy they've bought... the most basic have a life time limit for a condition so once the ceiling is hit it will never payout for that condition again no matter how many times you renew. Only full lifetime policies refresh the limit each year