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    • kah22
    • By kah22 18th May 17, 5:14 PM
    • 1,368Posts
    • 481Thanks
    Pet Insurance
    • #1
    • 18th May 17, 5:14 PM
    Pet Insurance 18th May 17 at 5:14 PM
    I've a new dog and I'm looking at Pet Insurance. Some companies cover kennel cost up to a set amount if the owner is in hospital

    Can anyone advise me what if the owner has a pre-existent condition will kennel cover apply. My guess would be no! Does anyone know for sure?

    Again thanks for your information

    Illegitimi non carborundum
Page 1
    • LusciousLuce
    • By LusciousLuce 18th May 17, 5:38 PM
    • 89 Posts
    • 139 Thanks
    • #2
    • 18th May 17, 5:38 PM
    • #2
    • 18th May 17, 5:38 PM
    There are so many different policies available that I doubt anyone could tell you for sure - you'd really have to do your own research. Almost all insurance companies have a PDF of their policy wording available on their website so have a look at a few.

    I'm a claims assessor and I've rarely seen a claim for this benefit, so it's not a section of the policy wording I've needed to refer to very often, but from what I recall our wording says hospitalisation that is known or foreseeable is excluded. So that's not specifically excluding pre-existing conditions, but if you have one that is likely to require hospitalisation I think you'd be unlikely to make a successful claim, and I think that's fair enough.

    PetPlan's policy wording specifically excludes pre-existing conditions.

    I wouldn't recommend choosing a policy mainly on this benefit however. The more benefits you add to a policy the higher your premium will be. Is it really worth it compared to how much kennelling fees would be? Far more important is a decent vet's fees limit, a good company who doesn't slap ridiculous exclusions on a policy after a claim, and a policy with lifetime renewing benefit.

    Some kennels will discount the cost for longer stays, and some will if you're able to book far enough in advance.
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