Pet insurance only good for big things?

zebidee1

Harley is still having a rough time and is at the vets every few days or so with his colitis which is steadily getting worse. Poor pooch is pretty low just now and just isn't a happy puppy at all.

Vet reckons it's going to be a slow process in trying to fathom the cause and the cure. His stool tests came back clear so no obvious parasite or other nasties lurking.

Each time we go, we obviously have a bill to pay but it's usually always under the £50 excess. So does that mean I can not claim for these bills as each one is under £50...or does it mean that they get added together as they are all to do with one condition and I only have to pay the first £50 of that? Insurance wording makes me glaze over as I dont find it all that easy to understand tbh.

We're not rich by any manner of means but I would starve to make sure Harley got whatever treatment was best for him, so it's not a case of no insurance payout = no treatment....I just wondered if I had it right with regards to the insurance or whether it might help in this situation. (Halifax btw.)

I know I can phone them to query all this, but I just wondered if anyone had an idea?

spookylukey

If you are going to the vets to investigate the same 'condition' each time then it's one claim so all the costs are added together and you pay the excess ie the first £50.

It's up to the vets whether or not they will pay the insurer direct so you might not have to put your hand in your pocket at all for any future visits. My vet said if it's an ongoing condition that the insurance company have already paid out on once then they will accept payment direct from the insurers. If it was a one off visit then I have to pay and claim back from the insurance myself.

Hope Harley gets better soon

Bromley86

AFAIK, insurers would pay out as long as the vet said it was the same condition (less one £50 excess). 99.9% sure Halifax would.

Although they haven't stuck to it in our case, there is a clause that says that you have to inform them of a condition within 60 days, although I strongly suspect that this clause would only exclude any bills from 60 days before rather than the whole condition.

Give them a call and ask for a claim form.