Insurance renewal - do i need to advise about vet visits

Discussion of experiences with obtaining and claiming on Pet Insurance, how to select an insurer and what to look for in a policy
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lara's mum
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Insurance renewal - do i need to advise about vet visits

Post by lara's mum » 05 Apr 2012, 16:40

Hi

Lara is just over a year old and i am about to renew her pet insurance.
Although i have not claimed, do i need to tell the insurance company about minor ailments eg kennel cough and upset tummys she has had in the last year?

Many thanks

Alison
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Alison & Lara

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muffinhead
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Re: Insurance renewal - do i need to advise about vet visits

Post by muffinhead » 05 Apr 2012, 17:21

Don't quote me on this but I don't think you have to mention it!! That said I know insurance companies are 'funny' about covering any pre-existing medical conditions that you haven't mentioned prior to taking the policy out....I hope that makes sense? :?
Sarah
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ArchieBoy
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Re: Insurance renewal - do i need to advise about vet visits

Post by ArchieBoy » 05 Apr 2012, 18:01

No, you don't need to tell the insurance about tummy upsets or kennel cough.

My Harvey (passed away New Years Eve) had tummy upsets and the like, and we never told the insurance company. You only have to tell them if it is something to do with a pre-existing condition.

Kirsty and Archie

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Maggie111
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Re: Insurance renewal - do i need to advise about vet visits

Post by Maggie111 » 05 Apr 2012, 19:05

The insurance company will normally make it very clear exactly what it is they need to know. For example - is the dog used for guarding, has he ever shown any aggressive tendencies etc. They need you to say "No" for proof.

If they were to ask you if the dog has ever been to the vets before and you say he hasn't I reckon that would be a problem.

But I'm sure they' wont say that - I just don't think you should "omit" anything directly asked of you.
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whirlwindmum
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Re: Insurance renewal - do i need to advise about vet visits

Post by whirlwindmum » 05 Apr 2012, 19:17

I'm slightly confused. R u changing companies :?
If not then surely your doing an automatic renewal, which you just check details and except.
As you been with the same company for the last year then there is no need to inform them. The conditions they need to know about would cost more than excess on policy so you would of claimed from them, hence they already know. I think it just get complicated when you try to change companies or insure an elder dog, that they don't have history of.

Now have i just made a bigger mess of confusing you :lol: :lol: :lol:
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lara's mum
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Re: Insurance renewal - do i need to advise about vet visits

Post by lara's mum » 05 Apr 2012, 22:05

Thanks all.

Really helpful. I am not changing companies, just renewing and wanted to make sure I was doing it properly.

The last thing i want is to find out when it is too late that i was meant to update them with every vet visit. As i am a first time dog owner, my anxieties would cost me a fortune. :roll:

Quite sad really - the kids were always ignored if they said they were ill unless i could see blood!! :lol:
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MalcolmW
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Re: Insurance renewal - do i need to advise about vet visits

Post by MalcolmW » 06 Apr 2012, 12:46

Daisy my Mini Schnauzer had stomach problems that entailed a few vets visits that cost below the excess, so I never bother claiming or notifying the insurance company. When she had colitis about a year later, I claimed as it came to over £200 but got turned down as I had not kept them informed of her condition.

To be on the safe side, I would notify them of every illness/injury your dog has.

Insurance companies are in business to make money - if they can find a way not to pay out, they will.
Malcolm

owned by the Labradoodles Lottie and Ruby
and Teigan & Leo the Mini Schnauzers
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whirlwindmum
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Re: Insurance renewal - do i need to advise about vet visits

Post by whirlwindmum » 06 Apr 2012, 13:09

MalcolmW wrote:Daisy my Mini Schnauzer had stomach problems that entailed a few vets visits that cost below the excess, so I never bother claiming or notifying the insurance company. When she had colitis about a year later, I claimed as it came to over £200 but got turned down as I had not kept them informed of her condition.

To be on the safe side, I would notify them of every illness/injury your dog has.

Insurance companies are in business to make money - if they can find a way not to pay out, they will.
:shock: :shock: :shock: i wasnt aware that they were that bad. :shock: What company were you with? wouldnt they just except a full history of your vet :(
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MalcolmW
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`EWR2DESW1`AZQ

Post by MalcolmW » 07 Apr 2012, 20:58

It was around 5 years and I think it was Tesco Insurance.
Malcolm

owned by the Labradoodles Lottie and Ruby
and Teigan & Leo the Mini Schnauzers
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whirlwindmum
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Re: Insurance renewal - do i need to advise about vet visits

Post by whirlwindmum » 07 Apr 2012, 21:02

Thanks for the reply.
Was worring i'm waiting to see if my insurance will pay out for Alfie's illness, its a massive bill over £3000, i'm not with Tesco, still holding my breath.
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nutttymutts
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Re: Insurance renewal - do i need to advise about vet visits

Post by nutttymutts » 07 Apr 2012, 23:49

I think that I read that Tesco was a bad one for paying out. Like if tippy dog Brooke a lag once then you can't claim ever again if your dog broke another one later on in it's life.
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