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  • FIRST POST
    • Super Whiskey
    • By Super Whiskey 11th Aug 18, 3:52 PM
    • 193Posts
    • 78Thanks
    Super Whiskey
    Pet Insurance
    • #1
    • 11th Aug 18, 3:52 PM
    Pet Insurance 11th Aug 18 at 3:52 PM
    My partner has a Cavalier King Charles who about 6 months ago had surgery for a luxating (laxating?) patella. The vet said that it will likely need surgery again in the next 12 months for the other leg.


    The previous insurance only covered £2000 of the £3000 cost. If we were to try and find an insurer who would cover the whole amount, will this likely count as a pre-existing condition?


    I am not too familiar with the ins and outs of Pet Insurance so any help would be great!
Page 1
    • _shel
    • By _shel 11th Aug 18, 3:55 PM
    • 1,288 Posts
    • 2,206 Thanks
    _shel
    • #2
    • 11th Aug 18, 3:55 PM
    • #2
    • 11th Aug 18, 3:55 PM
    Yup it would, you won't find an insurer to cover you for something that's already planned. You may not get all your costs back but only your current provider will at least cover that.
    • Super Whiskey
    • By Super Whiskey 11th Aug 18, 3:59 PM
    • 193 Posts
    • 78 Thanks
    Super Whiskey
    • #3
    • 11th Aug 18, 3:59 PM
    • #3
    • 11th Aug 18, 3:59 PM
    In which case, may we be better renewing with our current provider regardless of whatever the premium may be because they will cover part of the other surgery?
    • Money maker
    • By Money maker 11th Aug 18, 4:11 PM
    • 5,055 Posts
    • 11,503 Thanks
    Money maker
    • #4
    • 11th Aug 18, 4:11 PM
    • #4
    • 11th Aug 18, 4:11 PM
    Depends what your policy says but no other insurer is going to touch a pre existing condition.


    On the bright side, your partner has 12 months notice to get together the money which can be quite helpful as usually these things are sprung upon you.
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    • Super Whiskey
    • By Super Whiskey 11th Aug 18, 4:18 PM
    • 193 Posts
    • 78 Thanks
    Super Whiskey
    • #5
    • 11th Aug 18, 4:18 PM
    • #5
    • 11th Aug 18, 4:18 PM
    Thank you. It may be the case we need to talk to the existing provider then and once the other surgery is done go somewhere else.
    • stator
    • By stator 12th Aug 18, 10:39 AM
    • 6,429 Posts
    • 4,282 Thanks
    stator
    • #6
    • 12th Aug 18, 10:39 AM
    • #6
    • 12th Aug 18, 10:39 AM
    If you are with PetPlan your premiums won't go up.

    Once you've made a claim it's best to stick with the same insurance for that pet
    Changing the world, one sarcastic comment at a time.
    • elsien
    • By elsien 12th Aug 18, 10:41 AM
    • 16,889 Posts
    • 42,636 Thanks
    elsien
    • #7
    • 12th Aug 18, 10:41 AM
    • #7
    • 12th Aug 18, 10:41 AM
    Just bear in mind if you do swap that any issues connected to the patella and surgery that has already been done with be excluded permanently by any other insurer.
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    • sheramber
    • By sheramber 12th Aug 18, 12:13 PM
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    sheramber
    • #8
    • 12th Aug 18, 12:13 PM
    • #8
    • 12th Aug 18, 12:13 PM
    It sounds like you have an Animal Friends policy.

    If that is the case are you aware of this statement, particularly the last two paragraphs.

    This policy is a “maximum benefit pet insurance policy”. These are also identified as money
    limited policies or per condition policies. This means that there is a maximum amount of
    money available to cover the cost of treatment for each illness and injury your pet may suffer.
    Each illness and injury is covered until the maximum amount has been spent for that
    condition, as long as your policy with us remains in force. There is no time limit on reaching
    this amount, however once the full amount of money has been spent, the treatment of illness
    or injury for that condition won’t ever be covered again.
    Also, if your pet has received treatment for a particular illness or injury which appears in
    another part of the body at a later date, for example the other leg, ear or eye, we will treat this
    as the same condition.
    We refer to this as a bi-lateral condition and this means the maximum amount of money will
    only be available once, not for each occurrence of the illness or injury even if it is in another
    part of the body.


    If it not with Animal Friends then check out your own policy document as that is a common exclusion for other policies.
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