If the Scottish independence vote goes ahead, will my dog’s insurance be invalid?
Trevor Hughes, Scotland, via Twitter
May issue
May issue
Showing posts with label Insurance. Show all posts
Showing posts with label Insurance. Show all posts
Friday, 7 March 2014
Tuesday, 3 September 2013
Insurance policy?
I have a nine-year-old Beagle, who is insured with Direct Line...she has recently had an op to remove a large lump from her back leg and a smaller lump from her right side...unfortunately we got the news that the large lump on her leg was actually a very advanced mast cell tumour, and although they removed all they could see, her condition is terminal.
My vets did a direct claim with Direct Line (as the usually do) and Direct Line has decided they are going to charge me 2 separate excess fees (£80 each), as they pay our per condition, and as each lump is a different type, this classes as 2 different conditions.
Has anyone else heard about this? I have spoken to several different people at Direct Line but just keep being told it is policy, and to pay the difference to my vets immediately.
I just presumed that as it was one procedure to remove unidentified lumps it would all count as one claim?!
I'd be grateful for anyone elses input!
Claire Ruston, via Facebook
My vets did a direct claim with Direct Line (as the usually do) and Direct Line has decided they are going to charge me 2 separate excess fees (£80 each), as they pay our per condition, and as each lump is a different type, this classes as 2 different conditions.
Has anyone else heard about this? I have spoken to several different people at Direct Line but just keep being told it is policy, and to pay the difference to my vets immediately.
I just presumed that as it was one procedure to remove unidentified lumps it would all count as one claim?!
I'd be grateful for anyone elses input!
Claire Ruston, via Facebook
Tuesday, 2 April 2013
Price hike
Good morning,
I am emailing to ask for help and advise regarding pet insurance. I have an eight-year-old Lab with ongoing thyroid and atophi. I have been registered with More Than since 2009. The insurance has been raising and recently I received the renewal for this year which raised from £27 to £43 pounds. I contacted the service who adviced me the Brighton has a higher rate of pet insurance due to vet bills and because of my dog's age.
I tried to contact other companies but they wouldn't consider previous illness. Do you know any insurance who would consider previous ilness? it is becoming unberable to pay this amount of pet insurance for month considering that I also have to pay dog walking every day. I am spending about £300 a month with my dog with food (holistic), pet insurance and dog walking, medication and vet.
Please help.
Regards,
Name supplied, by email
I am emailing to ask for help and advise regarding pet insurance. I have an eight-year-old Lab with ongoing thyroid and atophi. I have been registered with More Than since 2009. The insurance has been raising and recently I received the renewal for this year which raised from £27 to £43 pounds. I contacted the service who adviced me the Brighton has a higher rate of pet insurance due to vet bills and because of my dog's age.
I tried to contact other companies but they wouldn't consider previous illness. Do you know any insurance who would consider previous ilness? it is becoming unberable to pay this amount of pet insurance for month considering that I also have to pay dog walking every day. I am spending about £300 a month with my dog with food (holistic), pet insurance and dog walking, medication and vet.
Please help.
Regards,
Name supplied, by email
Thursday, 22 April 2010
Puppy Love - Insurance
In the third of our daily series on all you need to do BEFORE you get your pup, we're looking at pet insurance. Which policy should you go for?
Liz will be getting a GSD puppy in a few weeks time.
As with some other insurance policies some will calculate on postcode so for those in expensive counties like Surrey it might be better to pick an insurer that doesn't consider address in their quote. Plus some breeds are cheaper to insure than others - is there a GSD friendly policy?
And do you get what you pay for? If it's too much cheaper than another brand is there a catch? And do price comparison sites really work for pet insurance? After all it's not like car insurance - there are many types of pet insurance and some the most limited are really worse than useless.
Where to start? Anyone done this recently? Which policy did you plump for?
And is there a case for just saving a little each month if you can't afford the premiums for the top of the range cover?
What's the difference between a policy giving 12 months of cover for a condition and one giving a limited spend per condition? Which is better? Why?
And is the six weeks free KC insurance given at the time a sale worth having - or are you better starting full insurance ASAP? Is it still the case that the free cover doesn't cover you for death by illness?
Beverley Cuddy, Editor
PS Don't forget to read the first two of the burning issues already published and come back tomorrow for the next one!
There is no question that some level of insurance for your pet is better than no insurance at all and the sooner the better. Finding the right policy for your pup can be confusing with all the different options
available but the important thing is that you opt for the most comprehensive policy that most closely fits your budget, particularly whilst your pet is young and still very much an unknown quantity.
Comparison websites can offer little help in choosing good quality cover as they are based almost solely on cost and as is often the case, the premium you pay will generally give an accurate reflection of the policy you've chosen so if a company offers what appears to be a good policy for very little cost it's unlikely to be the cover you need. Pet insurance will normally offer either a limit in vet fee cover per year (Lifetime) or per problem (Maximum benefit). Both cover for ongoing health issues without exclusion at renewal but a limit per year offers the greatest protection long term as over time you are more likely to reach the limit offered by a maximum benefit provider, particularly in the event of a long term, recurring or chronic condition. Some pet owners choose to put money aside instead of taking out insurance but even if you have managed to save a substantial amount that pot of money could soon be exhausted in the event of even fairly routine veterinary treatment let alone a serious or long term problem leaving you back at square one. Many puppies go to their new owners with some free cover which can be useful as a buffer between collecting your puppy and deciding on the right full policy but once that decision has been made start the full cover as soon as possible as puppy cover can be very limited and if your pup develops an illness whilst still on the free cover you would then have to onset full cover with the puppy cover provider to ensure future cover for that illness. In a nutshell, insure your puppy as soon as you can on the policy most appropriate to his and your requirements, it's simply about making a well informed choice and being comfortable with your decision.
Neil Flint, VIP Insurance
Katrina Stevens, Kesyra German Shepherds, says...
I send my pups off with four weeks free cover from Pet Plan. They give good cover, but are not cheap! I don't personally insure my own dogs, as I have too many, so I prefer to have money put aside. However I do recommend my pet owners to take out insurance, as I think it is worth it for their peace of mind. The Kennel Club insurance for accredited breeders is now for four weeks. They do now cover for death from illness. However, I did notice a clause that there would not be cover for distemper, Hepatitis, Parvo or Lepto if the pup was not vaccinated. I know some breeders vaccinate before the pups go to their new homes, but I believe that the pups need to be a little more mature (say 10 weeks) before receiving their first vaccination, so I will personally be sticking to Pet Plan. I think it is best to shop around and find a company that gives continuous cover, although it must be remembered that most companies will exclude the first 14 days, so it would need to be done as soon as possible if changing companies. I am also quite a fan of companies that accept homeopathic nosodes (Tesco and Direct Line I believe), as I do have concerns over the effects of boosters on the immune system of the dog.
Liz will be getting a GSD puppy in a few weeks time.
As with some other insurance policies some will calculate on postcode so for those in expensive counties like Surrey it might be better to pick an insurer that doesn't consider address in their quote. Plus some breeds are cheaper to insure than others - is there a GSD friendly policy?
And do you get what you pay for? If it's too much cheaper than another brand is there a catch? And do price comparison sites really work for pet insurance? After all it's not like car insurance - there are many types of pet insurance and some the most limited are really worse than useless.
Where to start? Anyone done this recently? Which policy did you plump for?
And is there a case for just saving a little each month if you can't afford the premiums for the top of the range cover?
What's the difference between a policy giving 12 months of cover for a condition and one giving a limited spend per condition? Which is better? Why?
And is the six weeks free KC insurance given at the time a sale worth having - or are you better starting full insurance ASAP? Is it still the case that the free cover doesn't cover you for death by illness?
Beverley Cuddy, Editor
PS Don't forget to read the first two of the burning issues already published and come back tomorrow for the next one!
There is no question that some level of insurance for your pet is better than no insurance at all and the sooner the better. Finding the right policy for your pup can be confusing with all the different options
available but the important thing is that you opt for the most comprehensive policy that most closely fits your budget, particularly whilst your pet is young and still very much an unknown quantity.
Comparison websites can offer little help in choosing good quality cover as they are based almost solely on cost and as is often the case, the premium you pay will generally give an accurate reflection of the policy you've chosen so if a company offers what appears to be a good policy for very little cost it's unlikely to be the cover you need. Pet insurance will normally offer either a limit in vet fee cover per year (Lifetime) or per problem (Maximum benefit). Both cover for ongoing health issues without exclusion at renewal but a limit per year offers the greatest protection long term as over time you are more likely to reach the limit offered by a maximum benefit provider, particularly in the event of a long term, recurring or chronic condition. Some pet owners choose to put money aside instead of taking out insurance but even if you have managed to save a substantial amount that pot of money could soon be exhausted in the event of even fairly routine veterinary treatment let alone a serious or long term problem leaving you back at square one. Many puppies go to their new owners with some free cover which can be useful as a buffer between collecting your puppy and deciding on the right full policy but once that decision has been made start the full cover as soon as possible as puppy cover can be very limited and if your pup develops an illness whilst still on the free cover you would then have to onset full cover with the puppy cover provider to ensure future cover for that illness. In a nutshell, insure your puppy as soon as you can on the policy most appropriate to his and your requirements, it's simply about making a well informed choice and being comfortable with your decision.
Neil Flint, VIP Insurance
Katrina Stevens, Kesyra German Shepherds, says...
I send my pups off with four weeks free cover from Pet Plan. They give good cover, but are not cheap! I don't personally insure my own dogs, as I have too many, so I prefer to have money put aside. However I do recommend my pet owners to take out insurance, as I think it is worth it for their peace of mind. The Kennel Club insurance for accredited breeders is now for four weeks. They do now cover for death from illness. However, I did notice a clause that there would not be cover for distemper, Hepatitis, Parvo or Lepto if the pup was not vaccinated. I know some breeders vaccinate before the pups go to their new homes, but I believe that the pups need to be a little more mature (say 10 weeks) before receiving their first vaccination, so I will personally be sticking to Pet Plan. I think it is best to shop around and find a company that gives continuous cover, although it must be remembered that most companies will exclude the first 14 days, so it would need to be done as soon as possible if changing companies. I am also quite a fan of companies that accept homeopathic nosodes (Tesco and Direct Line I believe), as I do have concerns over the effects of boosters on the immune system of the dog.
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