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Being charged excess x 2

Discussion in 'Dog Chat' started by WillowT, Apr 8, 2017.


  1. WillowT

    WillowT PetForums VIP

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    Has anyone ever been charged the excess on pet insurance twice.
    Willow is due her hip X-rays on Monday and the vet phoned today to say the direct payment had been sorted but that the insurance company will charge us 2x excess so 180.00 instead of the 90 pound. He said this was because although the problem only became apparent in the last few weeks... I had said that there was some lameness about 6 months ago ( we didn't see the vet because it cleared up over a short amount of time). Apparently this means we were ' between policies'
    I know nothing about this and not sure if it is standard practice or not...
    if she has been covered since 2 months old and the insurance has never lapsed it always renews then I do not see why 2x excess need to be charged
    But maybe their is something I am not understanding.
    Thank you in advance
     
  2. Sled dog hotel

    Sled dog hotel PetForums VIP

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    Not sure who you are with but most insurance companies will charge excess each policy year, even if its for the same condition. I had similar once where a treatment period carried on from the end of one policy year and into the next, it was only by a week and they still charged me two excess payments, that was with petplan. I queried it because the cross over was only by a week, and in fact the problem was caused by a complication which is what took it into the next year and I still had to pay it
     
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  3. Katalyst

    Katalyst A Lanky Lurcher and a Delinquent Dobermann

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    This all sounds a bit bizarre tbh. Who are you insured with?
     
  4. WillowT

    WillowT PetForums VIP

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    I am with petplan.
    Ok, I think I have just answered my own question @Sled dog hotel
    Willows policy has been renewed from 29th march 2017.... I recieved the paperwork on the 2nd march informing me of this but I thought that it had renewed when I recieved that letter on the 2nd.
    So willow goes to have her jab 1 week before the policy renews..... and this is when he is checking her hips and thinks there is a problem. This would have been 23rd of march so it was still under last years policy!
    And now it has renewed so yes another charge as investigations starting now.....
    So a bit like your situation I think....

    So now I have some questions.
    1. Will I only be charged an excess once a year for this hip issue? Or if she has hydrotherapy or an op at worst for the hip related thing will there be excesses for each of those? And then if she had a completely unrelated illness in the same year I would pay another excess for that illness?

    The cover that I have covered for life 7,000 per year ( I thought I had the 12,000) Is that 7,000 per year for everything or 7,000 per year per condition?

    I have just been reading the documents but it isn't clear.
    Thank you
     
  5. lullabydream

    lullabydream PetForums VIP

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    Which is similar to why people wait for their next lot of insurance to come in too, depending on insurance amounts to get certain operations done. They know they will have to pay the excess but there will be enough money in the kitty, if for example there is not enough for both patellas to be operated on when say a dog has LP in both back legs, one is done first, then the next done when the money cones around again. On a time limited policy this could not be done, because it would be excluded!

    I know what I mean, and its the same thing although two operations! Probably diagnosed at the same time too!
     
  6. Sled dog hotel

    Sled dog hotel PetForums VIP

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    I have a pet plan covered for life too, and with mine you do have to pay the excess once a year for each new condition, even if a lifetime/lifelong condition arises you have to pay the excess once a year on that too.
     
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  7. Sled dog hotel

    Sled dog hotel PetForums VIP

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    Sorry I missed this bit in theory anything related to the hip and treatment of the hip problem during one single policy year I believe that you would only be charged one excess per year and only if it carried on into the second year would you be charged excess again, because excess is usually only charged on each new/unrelated illness/problem per year and if it carries on into a second or other policies years.
    However insurance being insurance and me becoming a complete sceptic with varying insurance experiences Ive had over the years its safer to never just assume. To be on the safeside I would give them a call on Monday and just ask them to confirm that to be sure. Maybe even get them to drop you an email too if they confirm that's the case.
     
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  8. WillowT

    WillowT PetForums VIP

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    Thank you I thought that was how I read it on the paperwork it's not the easiest thing to understand....
    Now I am panicking because I thought I had the 12,000 cover but I chose the 7,000 covered for life.

    @Sled dog hotel is this 7,000 per condition? I'm thinking worst case scenario.... which I am sure will not happen but hip replacement will use up most of that money and then if she had another major thing would they give another 7,000 for that? Or would my 7,000 for the year be gone and I would have to fund any other things myself?
     
  9. Sled dog hotel

    Sled dog hotel PetForums VIP

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    If you have the covered for life classic £7000 veterinary fees a year, then its the same as Kobis (except he has £6000 his is an older policy) this means that you have a total of £7000 per policy year to spend on vet fees. Anything over £7000 in one year you will have to fund yourself. However, as long as you renew, then it doesn't matter if you have used the total £7000 the previous year the whole £7000 will re-instated in full the next policy year.
    Looking at the policy benefits though, it would seem that in addition to the £7000 for vets fees you also have complementary treatment of £1000 per year,
    I'm not sure what exactly comes under "complementary treatment" without checking, but if things like hydrotheraphy do then it looks like you would have an addition £1000
    but again to be sure I would suggest them to confirm what "complementary treatment" actually covers.
     
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  10. Sled dog hotel

    Sled dog hotel PetForums VIP

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    Just found this on line

    Complementary


    Treatment

    This section covers the cost of the following procedures when

    carried out in the UK to treat injury and illness:

    Acupuncture and homeopathy carried out by a vet.

    Herbal medicine prescribed by a member of a veterinary

    practice.

    Chiropractic manipulation and osteopathy carried out by a

    member of a veterinary practice or one of our recognised

    associations.

    Hydrotherapy carried out by a member of a veterinary

    practice (provided it is in a pool owned by the

    veterinary practice) or a person or a hydrotherapy

    business who/which is a member of one of our

    recognised associations.

    So it does look like hydrotheraphy and the other things mentioned above does come under the complementary treatment section which is £1000 per year and doesn't come out of your £7000 vet fees. I would still get them to confirm this though, and also ask that if any complementary treatment related to the hip would be liable for excess or not.

    I did find this too

    What we will not pay - applying to Complementary Treatment only

    1. More than the Complementary Treatment maximum

    benefit for the combined treatment costs of all injuries

    and illnesses in the policy year.

    2. The cost of any food, including food prescribed by a vet.

    3. The cost of more than 10 sessions of hydrotherapy for

    each injury or illness.

    It looks like they will not pay for more then 10 sessions of hydro theraphy relating to say the hip, or more then a total of £1000 per year.


     
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  11. Little P

    Little P PetForums VIP

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    They will charge one excess, per condition, per policy year.

    If you didn't go to the vets 6 months ago, how do pet plan know about the lameness?

    Your best bet will be to ask to speak to the person in your practice who processes the insurance claims. This will make sense to them and they should be able to explain it easily to you.

    Edit: Just read your next post - your thinking re: dates looks to be correct.
     
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  12. WillowT

    WillowT PetForums VIP

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    Thank you @Sled dog hotel very kind of you... I was just looking this up.
    Now I just have to worry if a replacement hip is needed and if the 7,000 will cover it!
    I'm probably just thinking worst case scenario like I always do..... X-rays on Monday
     
  13. Little P

    Little P PetForums VIP

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    £7000 is quite a reasonable amount. £4000 could easily be used within 12 months if an animal required specialist surgery and follow up care but £7000 is a pretty good amount.
     
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  14. Ceiling Kitty

    Ceiling Kitty Hides away from much through humour...

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    If the condition being claimed for crosses your renewal date, then yes - they charge the excess twice: once per policy year involved.

    Normal practice.
     
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  15. WillowT

    WillowT PetForums VIP

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    Ok, I'll try not to worry too much, the most important thing is working towards willow having a good quality of life.
     
  16. WillowT

    WillowT PetForums VIP

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    Thank you,
     
  17. Sled dog hotel

    Sled dog hotel PetForums VIP

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    I think when Malmums Flynn who was a large Malamute had his hips replaced which was a few years ago now, it was about £6000 per hip for the op itself, she had it done at Fitzpatrick refferals by Noel Fitzpatrick. I'm pretty sure she had one done one policy year and then the other done the second policy year. She hasn't been on the forum for ages now though.

    You can always do something called a pre authorisation form. Its basically similar to a claims form but is filled in and submitted prior to the treatment being carried out, the vet/specialist has to fill it in too just like a claims form with the estimate cost of treatmet, but at least that way you will know that they claim will be accepted and they will pay out and exactly for what before you have it done.

    Please let us know how he is doing and what they find on the xrays.
     
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