Welcome to PetForums

Join thousands of other pet owners and pet lovers on the UK's most popular and friendly pet community and discussion forum.

Sign Up

Advice please

Discussion in 'Dog Breeding' started by chrisarnie, Sep 17, 2013.


  1. chrisarnie

    chrisarnie PetForums Newbie

    Joined:
    Sep 17, 2013
    Messages:
    1
    Likes Received:
    0
    Hi,

    We have recently bought a puppy, and when we returned home we found he had blood in his urine, so took him to the vets the next morning. He had a weeks worth of antibiotics, and it didn't clear up. Then he had scans, and results will be available in a few days.

    Whilst this was going on the breeder indicated that he was happy to take on the vet cost associated with this condition.

    On the 8th day the breeder decided to ring us to let us know that the contract states that a 7 day period is applicable, and that he will pay vets cost up until this 7 day limit, but nothing after.

    So it is a possible that we might have a large cost to cover if anything is required to be done. Insurance wise - as this is extremely likely to be an existing condition, it probably isn't covered.

    This is my first puppy, so don't know the usual procedure, but would like your guys opinion on a couple of points:

    1 - Should the breeder pay for all costs going forward on this condition?
    2 - If the puppies condition affect our future cost (insurance and future vets fees on anything that is exempt from our insurance as it is an existing condition to any future insurance), is the usual practice to give us a partial/full refund?

    Also - giving him back to the breeder in any way is not an option.

    Thanks in advance for your help :)
     
  2. Sled dog hotel

    Sled dog hotel PetForums VIP

    Joined:
    Aug 11, 2010
    Messages:
    39,822
    Likes Received:
    10,365
    On the Insurance side, even if you started a policy the day you brought him home most you cant claim for any illness and conditions that occur within the first 14 days of the policy, aside from accidents that are covered from day one by some companies. So he will not be covered on insurance even if you have one in place. Most companies wont cover a pup until 8 weeks old anyway.

    Anything that occurs within those first days too before the insurance kicks in after the interim period, usually tends to be classed as a pre existing condition. Insurance companies in my experience too seem to group types of illnesses so diarrhoea becomes disorders of the digestive tract, urinary tract problems become disorders of the urinary tract full stop. Meaning that you cant claim for similar types of illnesses or ones that affect that part of the body. If you haven't got insurance yet, then when you do take one out anything on his records he has had already previous claimed for or not, then becomes an existing condition too. That even applies if you change insurance companies when he is older. Some insurance companies depending on what the problem is will sometimes lift the exemption if they stay problem free for a certain time, and something occurs that the vet states isn't connected, Ive had that happen with mine with pre existing, but its something you would need to discuss with the insurance company you have chosen or choose, to see if it would apply or not and it is something they do.

    I cant really advise you as I don't know your exact contract wording as to the breeders liability once 7 days have expired. I suppose you could look at it two ways really. Does it mean that up to 7 days only they will pay vets fees full stop, or if something occurs illness wise in the first 7 days and needs vet treatment and the matter is still not resolved and illness and treatment starts within the initial 7 days of bringing them home, but treatment actually continues past the 7 days as its not resolved or better by the time the 7 days are up then are they still liable for the continued treatment past the 7 days, if that makes sense?

    The only thing I can suggest is wait for the results and find out what the problem actually is, and what the treatment and prognosis is. Then consult someone legal as to the contract and wording as to how you stand.

    There is a charity Justice for dogs that advise on legal. Details below:-
    justice_for_dogs_charity

    There is another too that may be able to give you advice otherwise.
    Doglaw - SPECIALIST ADVICE ON DOG LAW

    Other thoughts too as awful as it sounds, the purchase of puppies is actually covered by the sale of good act. Which it may be possible to use to your advantage. There is advice on the following link as to what to do it you have purchased a sick or ill pet that may be of help and guide you.

    What to do if you’ve bought an ill pet |
     
    rona likes this.
  3. Westy

    Westy PetForums Senior

    Joined:
    Feb 19, 2013
    Messages:
    404
    Likes Received:
    9
    I haven't had a litter for a few years but can breeders not still activate Petplan before the puppy leaves that covers it from that time?
     
  4. I love springers

    I love springers PetForums Senior

    Joined:
    Dec 3, 2010
    Messages:
    878
    Likes Received:
    5
    Yes breeders can still activate the pet plan puppy insurance. I got my insurance cover note booklet when I registered the litter and all the pups except the one I kept had cover when they went to their new homes.

    I hope it's nothing to serious with the puppy.
     
  5. Kunakizz

    Kunakizz PetForums Junior

    Joined:
    Nov 25, 2012
    Messages:
    63
    Likes Received:
    0
    Yes Westy, breeders can give puppy owners free 4 week insurance and it is activated immediately (but the breeder has to state that that the pup is in good health at the time of sale), cross breeds can also be covered under the Pet Plan puppy policy. If the breeder didn't bother to do this I think they should cover the cost of treatment.
     
  6. Westy

    Westy PetForums Senior

    Joined:
    Feb 19, 2013
    Messages:
    404
    Likes Received:
    9
    Thanks both. :)
     
  7. AlbertRoss

    AlbertRoss PetForums VIP

    Joined:
    Feb 16, 2009
    Messages:
    1,781
    Likes Received:
    143
    Yes, it does. However, the 4 weeks free cover may not be extended into a new policy covering all future events if the puppy was ill during that period. Despite what they say the taking out of a Pet Plan policy to start at the end of the 4 week freebie is a NEW policy. That is, they will pay out for whatever goes wrong in the 4 weeks but will almost certainly exclude those conditions from future cover.

    It's one of the reasons I tell people not to rely on the 4 week cover but to take out a proper policy as quickly as they can. It seems like a good idea - the breeder looks good and the buyer thinks they are getting something extra. Pet Plan then reward the breeder with some vouchers if the buyer takes out a full policy. But, and this has been reported on this forum a number of times, should the buyer then need to claim on the policy they've bought they find their claim is barred because there was a pre-existing condition, which Pet Plan paid out on in the first 4 weeks. Breeders would be much better off telling the buyer to insure straight away, potentially saving the buyer a lot of money.
     
  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.
    Dismiss Notice