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 Post subject: Insurance renewal - do i need to advise about vet visits
PostPosted: 05 Apr 2012, 16:40 
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Joined: 03 Apr 2011, 20:25
Posts: 780
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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 Post subject: Re: Insurance renewal - do i need to advise about vet visits
PostPosted: 05 Apr 2012, 17:21 
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Joined: 26 Mar 2012, 14:49
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Location: Surrey
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? :?

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 Post subject: Re: Insurance renewal - do i need to advise about vet visits
PostPosted: 05 Apr 2012, 18:01 
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Joined: 21 Jan 2012, 20:35
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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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 Post subject: Re: Insurance renewal - do i need to advise about vet visits
PostPosted: 05 Apr 2012, 19:05 
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Joined: 20 Feb 2012, 12:45
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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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 Post subject: Re: Insurance renewal - do i need to advise about vet visits
PostPosted: 05 Apr 2012, 19:17 
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Joined: 18 Nov 2010, 00:20
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Location: Nottinghamshire
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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 Post subject: Re: Insurance renewal - do i need to advise about vet visits
PostPosted: 05 Apr 2012, 22:05 
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Joined: 03 Apr 2011, 20:25
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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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 Post subject: Re: Insurance renewal - do i need to advise about vet visits
PostPosted: 06 Apr 2012, 12:46 
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Joined: 03 Jun 2008, 19:26
Posts: 124
Location: Doncaster, Yorkshire
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.

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 Post subject: Re: Insurance renewal - do i need to advise about vet visits
PostPosted: 06 Apr 2012, 13:09 
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Joined: 18 Nov 2010, 00:20
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Location: Nottinghamshire
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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 Post subject: `EWR2DESW1`AZQ
PostPosted: 07 Apr 2012, 20:58 
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Joined: 03 Jun 2008, 19:26
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Location: Doncaster, Yorkshire
It was around 5 years and I think it was Tesco Insurance.

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 Post subject: Re: Insurance renewal - do i need to advise about vet visits
PostPosted: 07 Apr 2012, 21:02 
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Joined: 18 Nov 2010, 00:20
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Location: Nottinghamshire
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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 Post subject: Re: Insurance renewal - do i need to advise about vet visits
PostPosted: 07 Apr 2012, 23:49 
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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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