ManyPets pet insurance and lack of pre authorisation. Advice please.

savemoneyalways

Advice please.

Anyone insured with ManyPets, please could you engage with me? I want to open up a discussion forum concerning a pitfall I was unaware of the ramifications of when I took out my policy. My question is I have adhered to the dental check so as to satisfy ManyPets terms and conditions, but I have been told the company offer no pre authorisation facility, even when such treatment as in my animal’s case, is not life threatening or immediately essential in terms of my cat’s wellbeing. 

I felt I had to insure with ManyPets due to one cat having query pre existing condition. At this point, tests have neither confirmed nor ruled out my cat was possibly suffering from a food related allergy. My other cat is insured with PetPlan, and I will be able to submit to PetPlan a pre authorisation claim because my vet has seen evidence of gingivitis. 

Regarding my claim to have dental work completed (ManyPets), the vet advised a scale and polish due to him suspecting gingivitis. This treatment is by no means for purely cosmetic reasons. 

Failure to offer a pre authorisation facility I feel holds me over a barrel. Their process asks people to submit their animal for treatment with a start and end date needing to be completed. They are expecting people to blindly go ahead paying for a £700+ invoice, without a client knowing whether this amount will be covered. 

Ordinarily, as with anything in life, if I knew I would be footing the bill, I would be shopping around for the most competitive quote for a like for like service. ManyPets business model is unlike car insurance or private healthcare, whereby pre authorisation has to be granted before a person commits to treatment or a service. How on earth can this be viewed as ethical when the insurer is blatantly in my view demonstrating a lack of integrity and transparency? 

What have other clients of ManyPets done about this? 

swingaloo

I dont understand what you mean by 'What have other clients of ManyPets done about this'. There is nothing you can do, those are the terms you agreed to when you purchased the insurance.

ManyPets do not offer pre-authorisation. It tells you on that on the website.

 Not many pet insurance companies do. My dog is going through a lot of treatment at the moment and I am with Animal Friends. I have to pay upfront but the vet puts the claim in and each time I am paid within 4 working days. 

35har1old

swingaloo said:

I dont understand what you mean by 'What have other clients of ManyPets done about this'. There is nothing you can do, those are the terms you agreed to when you purchased the insurance.

ManyPets do not offer pre-authorisation. It tells you on that on the website.

 Not many pet insurance companies do. My dog is going through a lot of treatment at the moment and I am with Animal Friends. I have to pay upfront but the vet puts the claim in and each time I am paid within 4 working days. 

With Petplan once you have paid the excess all other related treatment is claimed by the vet until end of policy year then it's starts again when the next claim is presented you then pay the excess again and treatment continues

sheramber

savemoneyalways said:

Advice please.

Anyone insured with ManyPets, please could you engage with me? I want to open up a discussion forum concerning a pitfall I was unaware of the ramifications of when I took out my policy. My question is I have adhered to the dental check so as to satisfy ManyPets terms and conditions, but I have been told the company offer no pre authorisation facility, even when such treatment as in my animal’s case, is not life threatening or immediately essential in terms of my cat’s wellbeing. 

I felt I had to insure with ManyPets due to one cat having query pre existing condition. At this point, tests have neither confirmed nor ruled out my cat was possibly suffering from a food related allergy. My other cat is insured with PetPlan, and I will be able to submit to PetPlan a pre authorisation claim because my vet has seen evidence of gingivitis. 

Regarding my claim to have dental work completed (ManyPets), the vet advised a scale and polish due to him suspecting gingivitis. This treatment is by no means for purely cosmetic reasons. 

Failure to offer a pre authorisation facility I feel holds me over a barrel. Their process asks people to submit their animal for treatment with a start and end date needing to be completed. They are expecting people to blindly go ahead paying for a £700+ invoice, without a client knowing whether this amount will be covered. 

Ordinarily, as with anything in life, if I knew I would be footing the bill, I would be shopping around for the most competitive quote for a like for like service. ManyPets business model is unlike car insurance or private healthcare, whereby pre authorisation has to be granted before a person commits to treatment or a service. How on earth can this be viewed as ethical when the insurer is blatantly in my view demonstrating a lack of integrity and transparency? 

What have other clients of ManyPets done about this? 

Petplan are one of free companies who will give pre approval of payment.

Petplan  give vet surgeries full details of what they will cover. In my last practice there was a veterinary nurse who had been trained by Petplan on what was claimable. 

This means vets know if something is likely to be covered and the only problem would be something affecting the Individual’s  policy that the vet did not know about. 

Pre approval needs to full disclosure of the treatment required by the vet. This has to be referred to the underwriters for their approval in conjunction with checking the claimants policy cover etc. 

This involves more expense but people want cheaper premiums. 

If your pet requires vet treatment then  do you not pay for it , regardless of whether  insurance will cover it or not?  

Insurance doesn’t mean you cannot change vets.  You are just required to advise of any other vets you have used to check if you are claiming for a pre existing condition.