CockersOnline Forum
Cocker Specific Discussion => Health => Insurance => Topic started by: jobel on October 28, 2013, 02:00:52 PM
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Can anyone help me please.
Kiera's insurance renewal is due November 15th. She has just been diagnosed (as at August 2013) with a life long condition i.e, she is loosing control of her bladder. I have had to increase her Propalin Syrup to three times a day within the last week or so. As a result I have had to inform insurers (Animal Friends) but am told Kiera only has a time limited policy and is only covered for 365 days. I have a £99.00 excess. I'm gob smacked.
I had assumed that I had a life long policy as this is what I have always had in place for Kiera. Why would anyone want a time limited policy !
I am told that there are no insurers' out there who will cover a life long condition.
Can anyone tell me please if there are any insurance companies who do cover life long conditions that have already been diagnosed ?
Also - is there anyone who can advise if their cocker suffers this condition and how this is managed. Kiera's syrup has just been increased to three times a day in the space of a month. Ive heard feeding raw diet may help. She has Hills Science Plan Natures Best dry food.
Thank you for your help
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There is no insurance company that will cover a pre-existing condition. There are insurance companies that offer life-long policies as I have one for Henry from John Lewis. Pet Plan also offer life-long policies.
You have my sympathy as it can be expensive when a pet has such an illness. I'm hoping that John Lewis don't increase Henry's insurance excessively. It has only increased by about nine pounds per month to about thirty-three pounds per month when his medication alone for epilepsy is sixty pounds per month.
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Sorry to hear of Keira's diagnosis.
Have you checked all of your policy documentation, to see if there's any way that they could have misled you (ie. to expect a lifelong cover)? Unfortunately it will probably say in the small print that it's limited for a year.
No insurer will cover for a pre-existing condition, as far as I'm aware. I'm in the same boat with my dog Henry as I had to change insurer when Axa put my premiums up by 610%! Hopefully he won't need an operation on a congenital cataract, because now we have to pay for it.