Pet Insurance Claim Help.
Discussion
Hello. I am looking for a little help on an issue with a pet claim please.
On the 1st of March I purchased a new pet policy with provider B , this policy was to start on the 19th March. I served notice to my existing insurer ( provider A ) that I did not wish the to renew at the end of the term on the 19th March. On the 12th March my dog injured his leg on walk and the following day was taken to vets to have it looked at. We were given pain meds and advised to crate rest for a week. Unfortunately it turned out to be a ligament rupture which required numerous visits and an operation etc with a cost of over £1000. We have fully paid this so the vets are not involved in this.
Provider A is stating that they will only pay the visit to the vets on the 12th March ( £40 and less than the excess ) and no following treatments. I don't think that it is unreasonable to expect them to pay as the injury happened whilst my dog was insured with them. I have not tried to make a claim on policy B as to my mind the injury was there when the policy actually begin although it was set up on the 1st. Can anyone provide any advice ? It has currently gone to their senior claims team and is going to customer relations.
I mean if it were a car that were crashed on the 12th the car claim would be paid by the insurers at the time, even if the repairs or claims were finished months down the line?
Thank you
Nick
On the 1st of March I purchased a new pet policy with provider B , this policy was to start on the 19th March. I served notice to my existing insurer ( provider A ) that I did not wish the to renew at the end of the term on the 19th March. On the 12th March my dog injured his leg on walk and the following day was taken to vets to have it looked at. We were given pain meds and advised to crate rest for a week. Unfortunately it turned out to be a ligament rupture which required numerous visits and an operation etc with a cost of over £1000. We have fully paid this so the vets are not involved in this.
Provider A is stating that they will only pay the visit to the vets on the 12th March ( £40 and less than the excess ) and no following treatments. I don't think that it is unreasonable to expect them to pay as the injury happened whilst my dog was insured with them. I have not tried to make a claim on policy B as to my mind the injury was there when the policy actually begin although it was set up on the 1st. Can anyone provide any advice ? It has currently gone to their senior claims team and is going to customer relations.
I mean if it were a car that were crashed on the 12th the car claim would be paid by the insurers at the time, even if the repairs or claims were finished months down the line?
Thank you
Nick
Hello there everyone.
Thank you for your replies. I see it is a little mixed but I am hoping for the best outcome. I have tried to be a responsible pet owner and there was never any gap in my cover or overlap periods. At the moment it has gone to the complaints department where I have tried to fully explain my situation and that it is causing me financial hardship etc.
I will keep checking here to see if there is anything I can use against them and to update people with the outcome if interested.
Thanks again.
Nick
Thank you for your replies. I see it is a little mixed but I am hoping for the best outcome. I have tried to be a responsible pet owner and there was never any gap in my cover or overlap periods. At the moment it has gone to the complaints department where I have tried to fully explain my situation and that it is causing me financial hardship etc.
I will keep checking here to see if there is anything I can use against them and to update people with the outcome if interested.
Thanks again.
Nick
Hello there.
Yes the issue was resolved and paid out. I didn't have to go to the FO it was handled by the underwriters complaints department I think.
I get the feeling that the only reason that they upheld my claim was that when I asked how to claim someone at their offices said fill out the claim form and send it in as normal , even though they knew that the insurance had expired. The only thing I had to do was pay an extra months premium , obviously I wasn't going to argue with that for becoming a grand better off.
I hope you have the same outcome ! If I can help let me know.
Yes the issue was resolved and paid out. I didn't have to go to the FO it was handled by the underwriters complaints department I think.
I get the feeling that the only reason that they upheld my claim was that when I asked how to claim someone at their offices said fill out the claim form and send it in as normal , even though they knew that the insurance had expired. The only thing I had to do was pay an extra months premium , obviously I wasn't going to argue with that for becoming a grand better off.
I hope you have the same outcome ! If I can help let me know.
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