Insurance Emporium - Dental issue!

[venetiamills]

Hi - my 2 horses have been insured with Insurance Emporium for years - when I took out the policy I was offered to 'Dental' as an extra option/cost, and wanting to be fully insured, I paid extra for this.

Now that I need to claim, it turns out that the 'dental' I've been paying for wasn't for the horse, it's for the rider! I'd already paid extra for 'Personal Injury' but I guess that didn't include dental!

Really???!!

 

[Tiddlypom]

Oh heck .

What does it say in the small print of the policy?

 

[Snow Falcon]

You'd be very grateful if you were me! I got a mouthful of hoof when I was 19. Paid thousands over the subsequent years!

Hope you manage to get your horse sorted.

 

[venetiamills]

Oh heck .

What does it say in the small print of the policy?

On page 26, section 3 it says that it's for the rider. Silly me for not reading that bit!

You'd be very grateful if you were me! I got a mouthful of hoof when I was 19. Paid thousands over the subsequent years!

Hope you manage to get your horse sorted.

Oh wow, poor you - that sounds horrid!
It's more that the insurance company totally mislead, unless we have a couple of hours spare to read the small print.

 

[Snow Falcon]

I think if people put hands on hearts, majority would say that they do not read every page of the small print.

 

[LadySam]

Can't you claim for your horse's dental work under your normal vet fee cover?

 

[venetiamills]

Hi. No it turns out insurance emporium don’t cover for any type of dental for your horse. So I guess my point here is to be warned as I doubt I’m the only person to have not realised this! I’m now looking at a bill of thousands of pounds - yikes!

 

[Tiddlypom]

Oh, boo.

Sorry for being nosey, but what dentistry does your horse need? My 17yo mare had a very unbalanced wave and shear mouth, needed fillings on 109/110 due to decay plus 402/3 to be extracted due to being infected and dead, and the bill came in at around £1500. Two long home visits of c 2 hours each with standing sedation for the procedures, and then several post extraction check ups.

Still spendy, but a lot less than it could have been. Mare is doing really well now.

 

[poiuytrewq]

Since when don’t the cover dental?
Have you actually spoken to them about that? I made two, dental claims but it was a few years ago now. I only had a basic no extras policy.

 

[poiuytrewq]

I am still insured with them so after previous experience of how much dental work can cost I’m a bit worried to hear this

 

[SEL]

I would assume if a call operator asked if I wanted dental cover on an animal policy then it was for the animal!

It's worth putting the facts in writing to them (keeping the emotion out) Insurance companies do have a responsibility to treat customers fairly and unless they specifically told you it was human cover this sounds odd.

Have you got a recent renewal notice? Check wording on that

 

[U.N.Owen]

I have dental cover through insurance emporium and knew it was for humans so it must have mentioned it somewhere?

 

[venetiamills]

Hi - my 2 horses have been insured with Insurance Emporium for years - when I took out the policy I was offered to 'Dental' as an extra option/cost, and wanting to be fully insured, I paid extra for this.

Now that I need to claim, it turns out that the 'dental' I've been paying for wasn't for the horse, it's for the rider! I'd already paid extra for 'Personal Injury' but I guess that didn't include dental!

Really???!!

I am still insured with them so after previous experience of how much dental work can cost I’m a bit worried to hear this

Well I'm glad I've posted this then because yesterday they confirmed that as a company they do not cover dental for horses at all - not even at an extra cost - they do cover dental for other animals though, just to keep us on our toes!

 

[venetiamills]

I have dental cover through insurance emporium and knew it was for humans so it must have mentioned it somewhere?

oh yes, it does mention it somewhere!

 

[venetiamills]

I would assume if a call operator asked if I wanted dental cover on an animal policy then it was for the animal!

It's worth putting the facts in writing to them (keeping the emotion out) Insurance companies do have a responsibility to treat customers fairly and unless they specifically told you it was human cover this sounds odd.

Have you got a recent renewal notice? Check wording on that

Hi - I did it on line unfortunately. I have put all my concerns in writing and waiting to hear back from them.

 

[poiuytrewq]

Well thank god my horses dental issues happened back then! That's annoying. I do have a different horse now so hopefully he will be ok but certainly one to bear in mind.

 

[U.N.Owen]

oh yes, it does mention it somewhere!

Sorry, wasn't very clear. I meant I didn't have to look through the small print to see that so at some point it must have been on it clearly.

 

[poiuytrewq]

I think if people put hands on hearts, majority would say that they do not read every page of the small print.

No, Its where i came unstuck with Emporium some time ago. I thought my horse was fully insured and when he got ill told the vets to do anything they could, turned out- small print. Since turning 17 or whatever it was a few weeks previously he was then only insured for accidental injury, not illness. That was a sharp shock. I'd not have done anything differently but i was gutted at the time to realize i wasn't insured for the bill I'd just racked up.

 

[KC31]

I am with these for my old boy. It does state on the online form you fill out it is for the human not the equine. As i took it out for me as thought it would be worth it. Wasn't much extra a month.

 

[Bobthecob15]

Some companies don't cover dental, NFU does...as long as you have routine rasping etc to make sure you are looking after their teeth.

 

[dancingkris]

Insurance Emporium paid out over £2.5k for my boy to have 2 nasty fractured teeth removed about 3 years ago. It said in the small print they wouldn't pay out for "10. Costs as a result of tooth or gum disease including the removal of wolf teeth" however they paid for his treatment with no quibbling. I was pleasantly surprised I must admit!

 

[Ouch05]

Insurance Emporium paid out over £2.5k for my boy to have 2 nasty fractured teeth removed about 3 years ago. It said in the small print they wouldn't pay out for "10. Costs as a result of tooth or gum disease including the removal of wolf teeth" however they paid for his treatment with no quibbling. I was pleasantly surprised I must admit!

They just paid out for my boy who was in for a headshaking issue when they found a fractured tooth as it was not as per the quote above caused by gum disease they paid out, as it turned out it was not cause for the headshaking either!

 

[poiuytrewq]

Insurance Emporium paid out over £2.5k for my boy to have 2 nasty fractured teeth removed about 3 years ago. It said in the small print they wouldn't pay out for "10. Costs as a result of tooth or gum disease including the removal of wolf teeth" however they paid for his treatment with no quibbling. I was pleasantly surprised I must admit!

They paid for removal of fractured teeth and tidying up the gums etc afterwards £1500 approx
I then maxed out a claim for the same horse a year later for EORTH which definitely should count as gum disease I'd have thought, I was happy they paid that one but simply because i expected to be told dental was excluded due to the first claim.

 

[venetiamills]

Oh, boo.

Sorry for being nosey, but what dentistry does your horse need? My 17yo mare had a very unbalanced wave and shear mouth, needed fillings on 109/110 due to decay plus 402/3 to be extracted due to being infected and dead, and the bill came in at around £1500. Two long home visits of c 2 hours each with standing sedation for the procedures, and then several post extraction check ups.

Still spendy, but a lot less than it could have been. Mare is doing really well now.

Just various things with 3 different teeth - bill around 3K

 

[venetiamills]

They paid for removal of fractured teeth and tidying up the gums etc afterwards £1500 approx
I then maxed out a claim for the same horse a year later for EORTH which definitely should count as gum disease I'd have thought, I was happy they paid that one but simply because i expected to be told dental was excluded due to the first claim.

Hi that's really good to know - I might mention this to them - how long ago was this?

 

[venetiamills]

Insurance Emporium paid out over £2.5k for my boy to have 2 nasty fractured teeth removed about 3 years ago. It said in the small print they wouldn't pay out for "10. Costs as a result of tooth or gum disease including the removal of wolf teeth" however they paid for his treatment with no quibbling. I was pleasantly surprised I must admit!

That's great to hear too! they've obviously changed their policy - I'm waiting to hear back from them officially on this. Thanks

 

[rextherobber]

I would assume if a call operator asked if I wanted dental cover on an animal policy then it was for the animal!

It's worth putting the facts in writing to them (keeping the emotion out) Insurance companies do have a responsibility to treat customers fairly and unless they specifically told you it was human cover this sounds odd.

Have you got a recent renewal notice? Check wording on that

Agree with this - I wrote to them about a charge, and they agreed only the vet hospital could have dealt with it, so they covered the cost. Always worth politely asking!

 

[poiuytrewq]

Agree with this - I wrote to them about a charge, and they agreed only the vet hospital could have dealt with it, so they covered the cost. Always worth politely asking!

I wonder if this is where it’s gone a bit wrong?
OP was your horses dental work carried out at home or hospital?

Hi that's really good to know - I might mention this to them - how long ago was this?

Umm, good question! 4 years ago maybe