Now that my vets have submitted a claim for my pug/shitzu they have backdated exclusions onto the policy – but when I rang on Monday to book in the same pet again they were happy to insure him with no exclusions?
Unless your pug/shitu had a preexisting condition which was overlooked when the policy was taken out, I cannot see why they would backdate exclusions to your policy. Ask to speak to a claims manager, if a customer service representative cannot resolve your query.
My dogs have been insured with Pet Plan for years & in my experience the money has been well spent, the cover is extremely comprehensive & the claims settled quickly.
I strongly DISAGREE that insurance is a waste of money & you would be better off saving money.
Yes, you could take out an interest free credit card, get a loan or try & arrange a payment plan with the vet, BUT it’s still a debt that has to be repaid.
When one of my Dobermanns was diagnosed with cancer the total bill was in excess of £8,000, I paid £255.
Referral to a cardiologist £900.00,
Thyroid testing £200.00
Broken tooth & skin testing £453.00
Pedal infection £200
TPLO surgery + physiotherapy & hydrotherapy in excess of £3,500
Emergency spay £900.00
#1 by pinkcyprusalfie on December 19, 2009 - 7:44 am
In my experience with Pet Plan they have been nothing but crap!
I switched to Natwest/Direct Line insurance and had no problems whatsoever.
They even agreed to insure my elderly cat!
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#2 by Ahmeds Babe on December 19, 2009 - 8:09 am
I had problems 2 years ago making a claim to a third party. My greyhound chased a cat and caught it. The cat survived luckily, but had injuries to which I paid for the vets fees to the owner of the cat.
I purposely took out the pet plan policy to insure for 3rd party, but they would not pay as they said this problem would be covered under my home contents insurance! I was flabberghasted, but do you know what? My home insurance company DID actually pay the vets fees!
I think pets insurance now is a waste of money.
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#3 by MamaBas on December 19, 2009 - 8:16 am
Honestly Mikki, keep your money in your Bank Account! By the time you’ve taken into account the excess (£75. in most cases) and the fact that most won’t cover ongoing problems etc.etc.etc. ( read the small print), you might just as well open a separate account and pay into it on a monthly basis. I know interest rates are low just now, but Insurance companies are not in the business of benefitting you, and unless you are extremely unlucky, chances are you’ll never have a huge bill during the life of your dog. So why not hang onto your money!! We insured our first pet, years ago, but after our numbers crept up, we couldn’t afford to insure them, even had we wanted to. Provided you have built up a good track record for paying with your vet, I’m certain that if you do have an unexpectedly large bill at some time in the future, you will be able to come to an arrangement with them to stage pay.
When our numbers dropped to two, recently, I asked for a quote. Most wouldn’t touch my old hound in any case, but those who would quoted me something that made me think hey, I’m not planning on buying your company. As for my young Whippet, a breed which doesn’t have major problems, kept properly ….. again, most quotations were stupid money. I am perhaps fortunate that should a major drama happen, we can now swallow that, but I still prefer to ’save with me’.
I would like to know why, on registering with a new Practice, you are always asked whether the dog is insured – it implies there is a difference in treatment? Or does it?
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#4 by jessika f on December 19, 2009 - 8:31 am
I had problems with them, but that was because my dog had a pre existing condition that they found out about, so I cancelled them
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#5 by Memphis Belle on December 19, 2009 - 9:16 am
Unless your pug/shitu had a preexisting condition which was overlooked when the policy was taken out, I cannot see why they would backdate exclusions to your policy. Ask to speak to a claims manager, if a customer service representative cannot resolve your query.
My dogs have been insured with Pet Plan for years & in my experience the money has been well spent, the cover is extremely comprehensive & the claims settled quickly.
I strongly DISAGREE that insurance is a waste of money & you would be better off saving money.
Yes, you could take out an interest free credit card, get a loan or try & arrange a payment plan with the vet, BUT it’s still a debt that has to be repaid.
When one of my Dobermanns was diagnosed with cancer the total bill was in excess of £8,000, I paid £255.
Referral to a cardiologist £900.00,
Thyroid testing £200.00
Broken tooth & skin testing £453.00
Pedal infection £200
TPLO surgery + physiotherapy & hydrotherapy in excess of £3,500
Emergency spay £900.00
References :
#6 by anwen55 on December 19, 2009 - 9:33 am
Any insurance is a gamble. If you could afford to scrape together a large amount in the event of a disaster, I wouldn’t bother. Having multiple dogs over 30 yrs, I’ve never had insurance (couldn’t afford it for up to 7 dogs) and the largest bill I have had was around £250. One of my young GSDs had to have an operation, which, had I been insured would have been done at the not-very-local university vet. hospital & would have cost £2500+. I asked my vet (in whom I had great trust) if she could do the same op and she carried it out at a cost of £250. It was just as successful as if I had shelled out £1000s and maybe had a student vet doing the op!
I save £20.00 a month in a seperate account and haven’t had to touch it – and I’m getting the interest on that (even if it is miniscule at the moment)
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#7 by Hmmmm on December 19, 2009 - 9:55 am
Nope my cat was ran over and the vet bill would have cost me £1000 i only paid £119 they paid the rest…. also when my dog broke her leg… unfortunatley 12 days after we insured her with them they still paid for all the treatment i think i paid around £70…
Insurance is never a waste of money when all four of my dogs came down with some sort of viral and had to stay in the vets to recieve emergency treatment i would have been paying way over £2000 !
Even if you never claim in 10 years then you cancel you will regret it if something happens later, i would rather be out of pocket for a few quid a month rather than constantly panicking for money when my pets are ill
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