Would you always claim on insurance for Vet Treatment

sheramber

Sapindus said:

elsien said:

It’s not something you need to decide straight away - there’s been occasions where I’ve decided not to claim but then the dog has had a recurrence of the same issue which has made it more worthwhile. 

I'm surprised you got away with that - my old insurance policy every time we claimed we had to provide a full history from the vet and that would have shown up the previous treatment and it would have been "pre-existing" and disallowed.  My cat was healthy for years but you don't get a no-claims, it just keeps going up as they get older.  In the end the cat was costing me more than the car to insure.  When he finally started getting ill the hassle of claiming was not worth what we got back.  We have a new cat, I'm not going to insure her.  It's a money tree between the vets and the insurance companies.

Different companies have different requirements.
 I had a policy where you had to claim within three months of treatment but another allowed up to 12 months to claim for treatment. 

elsien

Sapindus said:

elsien said:

It’s not something you need to decide straight away - there’s been occasions where I’ve decided not to claim but then the dog has had a recurrence of the same issue which has made it more worthwhile. 

I'm surprised you got away with that - my old insurance policy every time we claimed we had to provide a full history from the vet and that would have shown up the previous treatment and it would have been "pre-existing" and disallowed.  My cat was healthy for years but you don't get a no-claims, it just keeps going up as they get older.  In the end the cat was costing me more than the car to insure.  When he finally started getting ill the hassle of claiming was not worth what we got back.  We have a new cat, I'm not going to insure her.  It's a money tree between the vets and the insurance companies.

I’m not avoiding telling the insurer about previous medical history though. I’ve already claimed for these things before so it’s not new to them.
So with petplan you can claim up to 12 months after the start of the condition. if it’s something new that might occur I have the treatment, then I wait a few months to see if it’s coming back or not before deciding whether to whack in the claim. I fully expect the vet to give all the history if I need to claim in the future.