CockersOnline Forum
Cocker Specific Discussion => Health => Insurance => Topic started by: c19unn on August 11, 2011, 03:28:03 PM
-
Hi Guys
Im going out of my mind at the moment, I have paid a fortune already on the pup as you all well know. He was at the skin specialist yesterday, bill was 360.00 which i believed would be covered by insurance.
Diesel was purchased on Fri 14th Jul (13wks old) He did not have any jags but had been flee'd wormed and a full health check i was advised. I had him in at the vet on the mon 18th for his first jag where i mentioned the scabs on his legs that we noticed when we got him home but niavely assumed was from rough and tuble with the other pups. I filled in the forms for the insurance at the vets as the provided the first 4 weeks insurance free.
The scabs were mentioned on the Mon at the vets and the ins have advised the policy was started on the Mon. Now i am being told by ins that as he was seen to for the scabs on the mon also and not just there for his jags that his bacteria stuff is NOT covered (Bill was 360.00 yesterday) can anyone advise me on where i stand or what i should do ...
If he came to us like this from the breeder does she have any responsibility for anything that he came to us with ?
The pup cost 600.00 and so obviously with vet bills now towering well over 600.00 in the 4weeks i have had him surely the pup should have been cleared of anything when i got him ?????
Im up to my eyes in debt with these vet bills and now i dont know what to do - any advice please :'( :'( :'( :'( :'(
-
don't panick just yet hun ;) - I'm not 100% sure Charlene but would the free insurance in place at the time of purchase not cover Diesel? ....not sure how this will work out if he does end up having life time issue because of it though? Hope someone more knowledgeable in ref to insurance small print, comes along very soon :luv:
-
The vet is trying to help in anyway they can Pet plan have advised that as long as the appointment time is after the time the ins was activated they will cover it but have advised me that it sounds like the policy was activated after the appointment and so wont cover this and yesterdays bill is to be paid by me ....
I see where the insurance are coming from but i mean do we seriously need to basically get insurance for a dog before we drive it home as such ???? Its terrible - im strugg;ing so much with the vet costs - his vet bills are on a credit card at the moment and i have no idea what iom going to do about the 360.00 and there is no way i will let the wee man suffer at all :(
-
The vet is trying to help in anyway they can Pet plan have advised that as long as the appointment time is after the time the ins was activated they will cover it but have advised me that it sounds like the policy was activated after the appointment and so wont cover this and yesterdays bill is to be paid by me ....
I see where the insurance are coming from but i mean do we seriously need to basically get insurance for a dog before we drive it home as such ???? Its terrible - im strugg;ing so much with the vet costs - his vet bills are on a credit card at the moment and i have no idea what iom going to do about the 360.00 and there is no way i will let the wee man suffer at all :(
Did he come with the 4 weeks free insurance from the breeder - I thought it was already active when you leave the breeder but perhaps I'm mistaken :dunno:
Hope you can get it sorted hun :bigarmhug: (I'm sure someone who knows more than me will be along soon ...try not to worry Charlene ;) )
-
Would diesel be still insured by the kennal club for four weeks after you brought the dog .... Until you get your own insurence on diesel..As far as i know the breeder dos have some responabillety under the sell of goods act if they are registered!!!!
-
Did he come with the 4 weeks free insurance from the breeder - I thought it was already active when you leave the breeder but perhaps I'm mistaken :dunno:
Hope you can get it sorted hun :bigarmhug: (I'm sure someone who knows more than me will be along soon ...try not to worry Charlene ;) )
He should have been covered by the free 4 weeks insurance? It's the breeders responsibility to activate the insurance - I activated my pups insurance for the day that they left me so that as soon as their owners took them they were covered - which is what the kennel club recommends.
-
Did he come with 4 weeks free insurance? It's usually with either the Kennel Club or PetPlan and I *think* the owner has to activate it by sending off the form provided (I'm fairly sure I had to do that with Dallas but that was almost 9 years ago so things might have changed). If he did, and you activated it now, then he might be covered but you'd have to read the small print to make sure.
With the insurance you took out at the vet, do they not still have the stipulation that anything that occurs within the first 14 days of policy won't be covered for or is it a special kind of puppy one?
-
Charlene if I was you I'd ring the breeder about insurance. Most breeders offer 4 sometimes 6 weeks free insurance which is activated by them when you pick your puppy. All my pups have had cover like this when I brought them home, it gives you a little breathing space to find the right insurance and still have cover for any accidents, ailments etc.
I feel so sorry for you at the moment, hope you get sorted. :luv:
-
If he does have the free 4 or 6 week insurance, you may need to continue with that company just incase there are future problems, otherwise it will be a pre-existing condition if you start up somewhere else. The sooner you can find out the better as under distance selling regulations, you can cancel the policy that you took out. If the free insurance is petplan, problem hopefully will be sorted and they'll credit you with the extra weeks at the end of the policy when it comes to renewal time.
Hope you can get it sorted soon.
-
:bigarmhug: :bigarmhug:
Whenever I have collected either pups or rescue woof (Merlin) all had already had activated insurance on them. All the breeders ensured they had activated it with the popular Petplan or the Kennel Club...they should have given you a slip of paper with a reference number on it so should you have needed to claim you have the number...
As far as I can see on Freyas paperwork the K.C puppy 4 week trial includes illness and injury from phonecall to activate (usually done by breeder)...
Im not so sure about PetPlan 4 week free but they usually say they cover accident immediately but will not cover illness for the first 14 days...
I think you need to find out :
a) did the breeder activate any free insurance on the day of collection?
b) did the breeder give you any paperwork for the above?
c) can the breeder find out if they did/didnt do the above?
If the breeder didnt activate the insurance then the likelihood is that petplan will not pay up as this would be in the first 14 days which is excluded on their policies...now if the breeder Has activated via KC or PP then Diesel should be covered but you may need to cancel insurance and go with the one that has been activated...
I really hope the above makes sense? If not shout again and I will try and explain a bit more...I think this will All boil down to weather the breeder activated any insurance when you collected him and who it is with... :bigarmhug: :bigarmhug:
-
JaspersMum is 100% correct in what she has said(pre-existing)be very carefull...I am sure you are getting all the help from the members of C.O.L to help you..Try not to worry it will get sorted... :bigarmhug:
...I to was on the change over with are cindy at the the time with my insurence company from the kennal club...And more than would not pay my vet bill at the time(will not go into what happen) at the time as i am still very angry with More than and the kennal club
-
If the worst happens and he's not covered most vets will let you pay big bulls monthly interest free if you explain the situation. Not ideal, but at least it's manageable.
-
Hi Charlene
Have you managed to contact the breeder yet about the insurance?
-
Can I just verify something as I'm not too clear. Had the free breeder insurance expired ? If so when ? The forms that you completed at the vets was that for NEW cover ? If so are the Insurers the same ?
As Jay rightly points out if you have taken out new cover then there will be between a 10 & 14 day exclusion period - however if you have continued cover then this shoulnt apply.
-
I see where the insurance are coming from but i mean do we seriously need to basically get insurance for a dog before we drive it home as such ????
Actually yes you do - normally the breeder would activate 4 weeks free insurance before or on the day you collect (as others have said either Petplan or the KC's insurance) but it should definitely be thought about by anyone buying a puppy. I knew someone whose puppy sadly was ran over the day after he was collected due to someone leaving a gate open and no insurance had been activated (this was in the days when the onus was on the puppy owner to activate the policy).
Really hope you can get this sorted though, one way or another, either via the breeder or via insurance (if it turns out a policy was activated at time of sale)
-
I recently joined Pet plans Breeders Club (just thinking ahead) anyway it sent me packs out to give to any 'potential' pups owner on the day they leave, I am then advised to activate the Plan either online or by phone on the day of collection, ideally whilst they are there so the new owners are aware they are now covered ;)
ETA I have no pups just forward planning , just thought this info may be useful ;)
-
All I can say is I had four weeks free Pet Plan from the breeder which was activated the day we took Toby home. On reading through the paperwork, it advised that illness was not covered for the first 14 days. So much for "four weeks" free insurance.
-
I too had 4wks free ins with pet plan ,activated by the breeder, Mollie was covered from the day we picked her up :dunno:
-
All I can say is I had four weeks free Pet Plan from the breeder which was activated the day we took Toby home. On reading through the paperwork, it advised that illness was not covered for the first 14 days. So much for "four weeks" free insurance.
Are you sure? That's not what it says on my book of cover notes or on the Petplan website:
4 weeks free insurance for new owners
Provide new owners with 4 weeks free Petplan insurance using our quick and easy Instant Policy books. These provide immediate cover for illness and injury up to £4,000 as soon as you activate the policy on behalf of the new owner by phone or online.
-
Jane
I'm positive. Unfortunately, I've thrown all the paperwork away now because I have insurance from another company but I remember sitting reading through the terms and conditions and it said you couldn't claim for any illness that started within the first 14 days. Any accident had immediate cover. It was definately with Pet Plan.
-
Jane
I'm positive. Unfortunately, I've thrown all the paperwork away now because I have insurance from another company but I remember sitting reading through the terms and conditions and it said you couldn't claim for any illness that started within the first 14 days. Any accident had immediate cover. It was definately with Pet Plan.
Do you know how long ago it was? I just read through the teeny print Terms & Conditions on my cover notes and it's definitely not there :-\ If it is the case, I shall have to use the KC cover notes instead ;)
-
Yes, he had cover from 14 May this year. I just thought of something. We had Toby microchipped at 12 weeks old. The breeders cover had just expired but the Pet Tracer company gave us four weeks free insurance with Pet Plan because we had microchipped. Could it have been this instead? Would there be any difference between breeders insurance and a microchip company insurance, even with the same insurance company?
-
I've just activated my puppy insurance and no mention on there it just has the following:-
Free insurance for new owners
Our breeder-activated Instant Polices provide 4 weeks free insurance for new owners. There is no cost to you or the new owner and minimal paperwork involved. Activating cover is quick and easy and the insurance starts immediately so you can send the puppy or kitten off to their new home knowing you have given them the best start you can.
Cover includes:
Up to £4,000 veterinary fees cover for illness and injury
Up to £750 for loss by theft or straying
Up to £750 for death from illness or injury
Up to £200 for advertising or reward if the puppy/kitten is lost or stolen
These 4 weeks free policies are specifically designed to fit in with the vet vaccination process. A timely reminder from Petplan just before the 4 week period is due to end leads to increased conversion to a full annual policy and therefore additional Breeder Bonus credits for you!
Whilst discussing insurance with new owners the key message to communicate is that not all pet insurance is the same so they need to choose their annual policy wisely.
-
I recently joined Pet plans Breeders Club (just thinking ahead) anyway it sent me packs out to give to any 'potential' pups owner on the day they leave, I am then advised to activate the Plan either online or by phone on the day of collection, ideally whilst they are there so the new owners are aware they are now covered ;)
ETA I have no pups just forward planning , just thought this info may be useful ;)
I thought your bitch had just missed?
-
Jane
I'm positive. Unfortunately, I've thrown all the paperwork away now because I have insurance from another company but I remember sitting reading through the terms and conditions and it said you couldn't claim for any illness that started within the first 14 days. Any accident had immediate cover. It was definately with Pet Plan.
Do you know how long ago it was? I just read through the teeny print Terms & Conditions on my cover notes and it's definitely not there :-\ If it is the case, I shall have to use the KC cover notes instead ;)
I had the 4 weeks cover from Quinn's breeder and it was activated just before I collected him as Petplan sent the confirmation email to me with the reference number should I need to claim (confirmation paperwork was then sent in the post afterwards) - part of the email which I've just looked up states:-
"There's no need to worry about the cost of unexpected vet bills when you have pet insurance from Petplan.
We can help pay for any necessary treatment if your pet is ill or injured.
Our 4 week policy is designed to give new pet owners peace of mind during the important settling-in period.
We will contact you shortly to see if you would like to continue cover for Quinn at the end of the free period."
The 14 week period of no claming does not relate to the 4 weeks free insurance but to new applications to Pet Plan, basically to stop people getting insurance if they have an inkling their dog is ill and going to need treatment.
-
Are four weeks free insurence started to day and was activated as soon as we left the breeder..It was in the starter pack that are breeder give out with all the information...Chris
-
Charlene have you checked the Breeder Contract that you should have had when you collected Diesel? :shades:
It might state that if a Puppy is found to have health problems then said Puppy can be returned within 7 days? :-\
I know you wouldn't think of returning Diesel BUT if it does transpire that the insurance was not activated in time then i would think you are well within your rights to ask the Breeder for financial assistance for the Vets Bills. :shades: ;)
I am so sorry you are having such a rubbish time with all of this :'( It should be a happy, fun time with a new pupster. :luv:
I really hope you can get Diesel completely well & this whole sad saga sorted. :-\
-
The 14 week period of no claming does not relate to the 4 weeks free insurance but to new applications to Pet Plan,
But I definately read that no claim could be made within the first 14 days of the free insurance and I've only ever had the free four weeks insurance from them.
-
I recently joined Pet plans Breeders Club (just thinking ahead) anyway it sent me packs out to give to any 'potential' pups owner on the day they leave, I am then advised to activate the Plan either online or by phone on the day of collection, ideally whilst they are there so the new owners are aware they are now covered ;)
ETA I have no pups just forward planning , just thought this info may be useful ;)
I thought your bitch had just missed?
If it's true, I am surprised how quick you managed to test your dogs and get the results because you only asked about whether to health test 2 months ago :-\.
-
Hi, what a mess! I had a litter last year and activated pups on date of sale. I see that it has changed in that free insurance can be pre-activated up to four weeks prior to sale now.
Also there is an excess for each individual claim so not all monies would be returned anyway.
If this was a pre existing problem prior to sale would this not be a case of a responsible breeder sorting out the bill right away?
I once knew a very small hobby breeder who sold a slightly undershot pup. It couldn't be understood as mum and dad have perfect mouths and her only previous litter all had perfect mouths. Anyway, the vet said the pup's mouth may correct itself when the adult teeth came in otherwise there would be a bill of about £250 to file down the two teeth. The pup cost £650 and the breeder liked the owner of the new pup so he said as you don't want to return the pup he would rip up their cheque and that should cover any costs. The result - reputation enhanced, owner happy and puppy in loving permanent home. And the breeder? Ohh, yes it was me. ;) But I'm a soft sap. :'(
-
Well to add to everything diesel now limping :-(
Spoke to breeder today , no puppy contract was provided with him or insurance - the 4 week free prt plan insurance was provided for him when I first went to vets and so this is what is causing the issue with insurance paying out. Breeder advised common to get scabs when the dog is out in the wet :-O Diesel not out in the wet only out in wet for pee and the scabs were there during the scorching days we got him ????
So looking like I'm on my own with this one - will see how he gets on next day or 2 with the limping - he started limping after he climbed out the car - my car lowered on the ground so he has managed to climb in and out the car for about 3 weeks now with no problem - seats aren't highr than my knees. Hoping it's just a little bang or the way he has landed..
Claim form sent in anyways so will need to wait and see what they say although I must say that iv never had any issues with pet plan prev to this and I had an 11 yr old rabbit with cancer that racked up a 3k bill and they paid out no issues
-
P.s loudan if I am getting Another pup (if ever I do as diesel costing a bomb) I shall come to you for one lol
-
P.s loudan if I am getting Another pup (if ever I do as diesel costing a bomb) I shall come to you for one lol
I retired from that. I only bred three litters, never made a penny and :'( at thought of of selling any.
I am hopping mad on your behalf, the breeder sounds as if he/she is fobbing you of big time.
Can any experienced COL members help with this suggestion. If breeder is member of Cocker Spaniel Club of Scotland or parent club can a complaint be made against them to try to enable a resolution to this problem? :huh:
-
Is not the breeder governed by the sell of goods act!!!Sure i read this in a post some time ago.....
-
I recently joined Pet plans Breeders Club (just thinking ahead) anyway it sent me packs out to give to any 'potential' pups owner on the day they leave, I am then advised to activate the Plan either online or by phone on the day of collection, ideally whilst they are there so the new owners are aware they are now covered ;)
ETA I have no pups just forward planning , just thought this info may be useful ;)
I thought your bitch had just missed?
If it's true, I am surprised how quick you managed to test your dogs and get the results because you only asked about whether to health test 2 months ago :-\.
sorry ladies but (http://www.freesmileys.org/smileys/smiley-forum/offtopic.gif) (http://www.freesmileys.org/smileys.php) & really not relevant to this thread ;)
-
I recently joined Pet plans Breeders Club (just thinking ahead) anyway it sent me packs out to give to any 'potential' pups owner on the day they leave, I am then advised to activate the Plan either online or by phone on the day of collection, ideally whilst they are there so the new owners are aware they are now covered ;)
ETA I have no pups just forward planning , just thought this info may be useful ;)
I thought your bitch had just missed?
If it's true, I am surprised how quick you managed to test your dogs and get the results because you only asked about whether to health test 2 months ago :-\.
sorry ladies but (http://www.freesmileys.org/smileys/smiley-forum/offtopic.gif) (http://www.freesmileys.org/smileys.php) & really not relevant to this thread ;)
Thanks Lyndsay but as it has been brought up I will answer, I sent Buchal swabs off to Labolkin for FN and PRA both came back clear within 3 week turnaround and we carried on with the mating. I am aware they will not appear on the Database but wanted the results before the actual mating took place, Belle does not have 'regular' seasons ;). She did not go on to be pregnant if you have any more questions then please contact me via pm as this is totally off topic , thanks ;)
-
Sorry would have asked under the health tests topic, but you asked for it to be closed so couldn't, thanks for clarifying, shame you didn't get her Optigen tested though, at least that way had there been a litter, the pups would have been hereditary clear and documented on their registration papers, Optigens turnaround is 2 weeks.
Good luck next time. :D
-
Sorry would have asked under the health tests topic, but you asked for it to be closed so couldn't, thanks for clarifying, shame you didn't get her Optigen tested though, at least that way had there been a litter, the pups would have been hereditary clear and documented on their registration papers, Optigens turnaround is 2 weeks.
Good luck next time. :D
They will both be Optigen tested sometime soon, don't mind paying twice as already stated I have a fund set aside for all of this, its just that I was led to believe that tat it can take more like 2 months to get your results back? I was obviously misled. Don't know if we will try next time, it depends on when she does come into season as we are taking the kids to Disney Early Sept, so we will see, thanks anyway ;)
If it's true, I am surprised how quick you managed to test your dogs and get the results because you only asked about whether to health test 2 months ago .
I find it quite sad that some people are waiting to jump on a comment you make , just to try and catch you out :-\ If you had pm'd me and asked I would have been more than happy to tell you ;)
Now back to Charlene and her predicament I think ;)
-
Can any experienced COL members help with this suggestion. If breeder is member of Cocker Spaniel Club of Scotland or parent club can a complaint be made against them to try to enable a resolution to this problem? :huh:
The breeder is not a member of either Club and Diesel was not in fact bred by the show breeder Charlene mentioned on her Pedigree thread. I've verified this from the Kennel Club BRS records which fortunately have just been published. This is just for the benefit of those wondering where her other two current threads have gone. They've been moved for the time being pending a response from Charlene to my PM.
-
No more advice to give but just lots of :bigarmhug: for you and :-* for Diesel. He's so lucky he's gone to such a wonderful caring owner who's doing the best for him :luv:
-
Sorry I have no advice regarding your claim but with regards to his limp I would rest him for a few days and see how he goes, though obviously if he is in discomfort a trip to the vets will be in order. When they are young their joints are susceptable to knocks etc, try to discourage him from jumping down off things, My Monty was a >:D for this, good luck and I agree with Jeff&Annies sentiments ;)
-
Jane I have replied to your message sorry I have missed it :-( I u need any more info let me know .....
-
I am beyond confused with this thread now :huh: :huh: :huh:
I take it that the breeder did not effect any insurance and this was incepted whilst at the vets, is this the case ?
If so the pre existing condition is likely to be right as the condition was present when you incepted the policy, in lay terms you knew about it and sought advice :-\ bit of a nightmare I know, but that is an explanation of the term.
Reading between the lines & different comments, is the breeder effectively washing her hands of the matter ?
-
Can any experienced COL members help with this suggestion. If breeder is member of Cocker Spaniel Club of Scotland or parent club can a complaint be made against them to try to enable a resolution to this problem? :huh:
The breeder is not a member of either Club and Diesel was not in fact bred by the show breeder Charlene mentioned on her Pedigree thread. I've verified this from the Kennel Club BRS records which fortunately have just been published. This is just for the benefit of those wondering where her other two current threads have gone. They've been moved for the time being pending a response from Charlene to my PM.
I am very glad to hear this as I have been so confused over this matter. Charlene's experience sounds nothing at all like how things went with Brodie and her breeder. The breeder gave us 6 weeks free insurance with the Kennel Club when we brought Brodie home and she was (and still is) always happy to answer any questions.
Charlene, I hope you manage to get things sorted re Diesel's insurance ;)
-
Good luck with your insurance Charlene I hope you manage to get it sorted out soon.
-
Do we have 2 Charlenes on here?
-
Hi Christal
I am the only Charlene that i have seen so far with this spelling - I am Diesels Mummy and have a whole lot of things going on just now which is hard to follow, There is a Sharlene who is mum to little Molly, i think she is quite new on the forum.
Hope this helps :)
Guys i shall update you all as best i can when i know whats happening :)
-
I don't have any advice to offer I'm afraid, but I wanted you to know I'm thinking of you -you have certainly been through the mill with poor Diesel, which must be a bit rubbish for you all at what is supposed to be a really exciting time! :bigarmhug:
Hoping you get some answers for Diesel, and he's back home with you soon. :luv: