Author Topic: Insurance help please  (Read 1469 times)

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Offline 1sttimecockermum

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Insurance help please
« on: June 15, 2011, 12:22:57 PM »
Dennis and Ruby have been insured with Healthy Pets Gold Policy since we had them and (touch wood ) we have never needed to make a claim.  ph34r  Dennis has had his ears flushed but after taking the excess into account it wasn't worth claiming.  My renewal has gone up to £468 for the both of them from £396 from last year.  I'm a bit confused - if I change companies would Dennis's ears not be covered as a pre existing condition ?? Also as I'm having a really dim moment could someone please explain  the 12 month / lifetime thing. At the moment we have £7500 per illness / injury I think this is over a lifetime ??

Thanks in advance
Owned by Dennis the Menace and Ruby Dooby Doo

Offline PennyB

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Re: Insurance help please
« Reply #1 on: June 15, 2011, 12:58:28 PM »
Why not ask companies if they would exclude it as each may be different plus some may exclude for a period of time then if nothing happens over that time re that particular exclusion then they may include it.
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Four Paws Animal Rescue (South Wales)

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Offline black taz

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Re: Insurance help please
« Reply #2 on: June 15, 2011, 01:04:46 PM »
I think if you look at your policy the values you can claim have increased quite a lot.  I am with healthy pets and decided to downgrade to silver (i think £4000 is the most i can claim for any one condition)

If you decide to downgrade to silver, like i did, just check that the ears would still be covered as they may try and claim it is a new policy rather than an amendment from an existing one.