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Discussion Starter #1
Please can anybody advise on pet insurance claim .apologise for long post .

I have 2 girls one 12 yrs 1 rehomed at 6 months now 2yrs 7 months . I have always vaccinated wormed flee treated them sometimes I use shop treatment if visiting the vets I will get from them , never thought about it never had any discussion with the vets about it other than are they up to date . My youngest bitch was very unwell firstly was looked at by the vet who thought she had kennel cough no treatment as such other than metacam she had a fever , a week later she was very unwell passing pure blood very unwell , she was taken in to the vets who found her breathing laboured her heart enlarged , we rushed her to a specialist vets they tested for lung worm it didn’t show up after serval scans ect they done a lung wash which showed lungworm eggs .( I have never heard of lung worm ) My insurance are refusing to pay the claim they state I failed to follow vets advice basically I didn’t give prescribed treatment . There clause states I’m to make sure vaccinations flee treatment and worming is kept up to date does not state prescribed ( which I do never had a problem before ) I have not gone against vets advice she’s never had prescribed treatment and Iv never been questioned about it by the vets had no discussions . the vets also state this is very unfair . Iv sent in a complaint to the insurers has anybody ever claimed for lung worm or been in any similar position . I’m looking at £6k bill . Thankfully my girl came through it , I wouldn’t wish it on any ani mail or owner . If I had known about it and how ill they can be I would of given what ever was needed to protect them
 

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Insurance companies are past masters at wriggling out of everything they can. One reason why I wont pay for it.

Trouble is, most wormers wont touch Lungworm. Dont quote me on this but to my knowledge only one is officially licenced for protecting against it. Another which we know will treat it is not, or certainly was not, licenced to treat it. (Whether it is now licenced for it I dont know.) But although most wormers tell you what they protect against, how many people actually know it's correct name? Not many. (Angiostrongylus vasorum) So there are good reasons why people might not be using a wormer which covers it.

But then, a 6k bill??? Yes, a bit for diagnostics, but the usual treatment is high doses of Panacur. To me, any bill for treating lungworm over around £500 has to be suspect. Maybe instead of being an engineer I should have been a vet!
 

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That’s a shocking sum. What on earth did they do? Gold plate her lungs? Ah no, i bet the vast amount of the cost will be the multiple scans. I’m so sorry you’ve got the additional stress of a bill.

Insurers are crooks, I’ve never had insurance, but then vets bills where I live are not inflated (I’m sure) by the fact that people have insurance.
 

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Discussion Starter #5
Insurance companies are past masters at wriggling out of everything they can. One reason why I wont pay for it.

Trouble is, most wormers wont touch Lungworm. Dont quote me on this but to my knowledge only one is officially licenced for protecting against it. Another which we know will treat it is not, or certainly was not, licenced to treat it. (Whether it is now licenced for it I dont know.) But although most wormers tell you what they protect against, how many people actually know it's correct name? Not many. (Angiostrongylus vasorum) So there are good reasons why people might not be using a wormer which covers it.

But then, a 6k bill??? Yes, a bit for diagnostics, but the usual treatment is high doses of Panacur. To me, any bill for treating lungworm over around £500 has to be suspect. Maybe instead of being an engineer I should have been a vet!
That’s a shocking sum. What on earth did they do? Gold plate her lungs? Ah no, i bet the vast amount of the cost will be the multiple scans. I’m so sorry you’ve got the additional stress of a bill.

Insurers are crooks, I’ve never had insurance, but then vets bills where I live are not inflated (I’m sure) by the fact that people have insurance.
first charged £68 for a check in the back of the car check her breathing and temp test ( was raised) and a prescription for meticam ( suspected kennel cough) then a week later she was very larthargic and started to bleed heavily from her rear end but no temperature? the vets mine I must say were very good they gave her a scan that showed a shadow on her lung and a slightly enlarged heart . £600 then referred to a specialist vet who did sample tests that they first said she didn’t have lung worm the bleeding they put down to gastric , she then had heart scan that showed something in a valve they didn’t know what it was the lung still showed a shadow , they then done a lung wash which apparent showed larvae she was kept in for 4 nights came home with panicur for 15 days they put in a claim for lung worm 2900 roughly and gastric £2500 but the insurance refused both I’m beyond worry I feel sick , Iv always looked after my dogs to the best of my knowledge are we exspected to cover for every posssble illness we may be able to prevent , and surely insurance should state only prescribed medication you use is covered . I realy don’t know what we will do can we pay off on instalments ? I will go to financial ombudsman after the complaint is reviewed if I have to but I’m not holding much hope
 
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