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Hi I asked the vet what would insurers consider as pre existing conditions if I were to change my Insurance and I was shocked

Bailey
Had entropion as a pup... so No eye conditions would be covered :roll:
Fatty lump removed age 6 .. tested non cancerous... all lumps including cancer NOT covered.
Limp as a pup nothing found.... Legs wouldn't be covered.
hot spot as a pup..... no skin problems would be covered including allergies :roll:
ear cleaner.... Ears not covered

I was so surprised that once I had claimed for a body part that part of the body wouldn't be insured if I changed insurer and my insurance confirmed this

So even tho Bailey had excess skin round his eyes as a pup removed it means that ALL eye conditions are not covered. So if anyone is thinking of changing insurance just double check with your vet as to what is classed as pre existing condition your dogs record.

Thanks Sarah
 

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It's worth asking if your vet would write a letter to the insurance as coal has had various things and pet plan were really good when the vet explain the exact issues, he isn't covered purely for those exact issues
 

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Just curious - does the pre-existing condition clause refer to a body part you have claimed from your insurance on or a body part that the vet has treated? ...I think I need to go and check the small print.....
 

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Had entropion as a pup... so No eye conditions would be covered
This condition would not make any other eye condition more or less likely. It does need correcting though or it can cause damage.

Fatty lump removed age 6 .. tested non cancerous... all lumps including cancer NOT covered.
Again fatty lumps are no problem and not indicative of any other problem. Often these can be left until they either get big, or others appear meaning that several can be removed in one go.

Limp as a pup nothing found.... Legs wouldn't be covered.
All children get a sprain at some time, it's nothing at all.

hot spot as a pup..... no skin problems would be covered including allergies
Wet Eczema is nothing. Treat with one £15 bottle of Malaseb shampoo and it's gone and unlikely ever to return.

ear cleaner.... Ears not covered
Cleaning ears is simply routine maintenance.

This is exactly what I mean when I say dog owners are being conned. The insurance companies load the dice so much in their favour, but to a large extent it's because vets play on it to the extent that they are killing the Goose who laid the golden egg.

Regards, John
 
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Loopy_Lou said:
Just curious - does the pre-existing condition clause refer to a body part you have claimed from your insurance on or a body part that the vet has treated?
Both. For instance my Pood has slipping kneecaps. I've never claimed for it, but I'd have to declare it if I tried to insure her and they would then be an exemption.

Insurance Companies are a business. They don't care about your or your pet, only the amount they can fleece you for, despite what the ads try to make you believe.
 

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I know quite a few people who now get a general quote and then put that amount of money away each month into a separate bank account as a nest egg for any vet bills. It makes quite a bit of sense to me - especially as the dog gets older.
 

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Cathtor said:
I know quite a few people who now get a general quote and then put that amount of money away each month into a separate bank account as a nest egg for any vet bills. It makes quite a bit of sense to me - especially as the dog gets older.
In our case that would be £288 a year.

Even Four years' worth wouldn't go far if she needed an urgent op :?

When she gets older it will be different and worth considering - we did that after Gavin and Callum turned 10 (they lived to 15) as the premiums were then silly money.
 

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My Pointer wouldn't be here now if it weren't for his insurance. He suffered a spinal injury after colliding with another dog back in May, we tried weeks of rest and painkillers without success but when his condition worsened and he began having what looked like fits he was referred as an emergency to the Langford hospital at Bristol to see a neurosurgeon. MRI showed a severe herniated disc squashing his spinal cord at a point in his neck that could have caused death or paralysis at any moment, he was operated on the next day which was a complete success.
Cost to insurance company was nearly £5000, result, a fully recovered dog. If he had been uninsured he would have been PTS on the Saturday I went to my vet in total despair.

I spent years and years not insuring my dogs and was extremely lucky with none having anything major and all living to a good old age, then along came a pup that I just had a funny feeling about and for the first time I took out insurance. That dog cost the insurance company far more than I ever paid out and only lived to 8yrs old. Since then I take out insurance on each dog until the premiums go up to more than I'm happy to pay, or the dog reaches an age that I wouldn't want to put them through tests or ops. Insurance gives me peace of mind while my dogs are young in the event of an awful accident but I'm still realistic and know when to call it a day. I won't put a dog through treatment where there's no guarantee of a better quality of life insurance or no insurance!
 

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Luna had lots of front leg limping on her vet records when I changed insurers, had never claimed for it but it became a pre-existing condition. I considered not having insurance at all or just third party as I put aside savings for her elbows when I realised they were 'trouble' and the rubbish insurance policy I had for her as a pup overseas I was going to change. I'm glad I got good insurance beause she has HD as well so insurance covers the treatment needed to manage this, fingers crossed a replacement hip choosing thousands won't be needed but its good to know the cost would be covered, its been good to have financial help to cover the cost of keeping her fit enough to avoid op for the past couple of years. Claims have been more than payments already.
Her elbow treatments I've paid for myself and have been convinced for their need, have even watched the second arthroscopy taking place and had the actions of the specialist explained and commented on by himself as he worked! Removing the fragments of bone unseen on the xrays has definitely improved Luna's right elbow and quality of life since recovering. Cost = priceless :wink:
 

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When we had Gemma and changed insurers we initially had the same comments from MoreThan. They had even put they wouldn't cover her feet because she had once had a badly cut pad on some glass. I phoned them and argued every point and it was all removed - they saw sense.
 
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