Insurance question .........

[Bionic Boy]

If you have an ongoing claim that goes over your renewal period is it normal to have to pay the policy excess twice?
Cut a long story short. Injury in September 2019, paid excess at the beginning of the claim, renewed my policy at the beginning of August 2020 and the next vet visit was after the renewal, I have received a letter saying they accept the claim but as it is under the policy excess amount they will not be paying it. I can't see how they can justify having to pay the excess twice.

 

[doodle]

No you should only pay the excess once. Ring them and point out the issue.

 

[Bionic Boy]

No you should only pay the excess once. Ring them and point out the issue.

I have and they have said that is their policy. Going to get the policy document out and read the small print.

 

[PSD]

Yup you have to pay it twice. If you go into a new policy year you still need to pay a new excess whether it’s the same claim or not. Most insurances won’t tell you that though but that’s how it works, I claimed for my old mare in December and the claim ran into a new policy year (March) and the claim was ongoing, so I had to pay another excess.

 

[doodle]

Which insurance company? Are they treating the vet visit after renewal as a whole new claim/injury/illness?

 

[PSD]

Which insurance company? Are they treating the vet visit after renewal as a whole new claim/injury/illness?

animal friends I was with. No it was the the same claim, same injury etc but their terms are any claims existing or new that run into a new policy year must have a new excess.

 

[Bionic Boy]

Same here - It is Animal Friends. I find it crazy how they can justify it. It is still a continuation of the same claim but new financial year so new excess. They also were not prepared to pay for Sedalin to turn out a horse after 6 months box rest, as they do not pay for behavioral medicine. It's nothing to do with behavior, it is being sensible and not taking any chances with even the calmest of horses in turnout after 6 months box rest.

 

[PSD]

Same here - It is Animal Friends. I find it crazy how they can justify it. It is still a continuation of the same claim but new financial year so new excess. They also were not prepared to pay for Sedalin to turn out a horse after 6 months box rest, as they do not pay for behavioral medicine. It's nothing to do with behavior, it is being sensible and not taking any chances with even the calmest of horses in turnout after 6 months box rest.

It’s annoying but I can see why they do it.

they wouldn’t pay for sedalin for my mare either despite my vet stating it was for blood pressure purposes and not behaviour.

 

[PSD]

Having said that, there were a few niggles but overall they have been fantastic. Their small print says for death of horse, that they pay market value, price paid or sum insured whichever is less. I paid £500 for my mare 10 years ago and had her insured for 2500, when they qualified this after she was pts I set them and email detailing how much horses value goes up over time, why she was valued at this etc and they paid the £2500 out no questions asked. Overall I think they’re a really good company to be insured by, they covered 90% of my vet bills which totalled to almost 9k in the end

 

[Bionic Boy]

It’s annoying but I can see why they do it.

they wouldn’t pay for sedalin for my mare either despite my vet stating it was for blood pressure purposes and not behaviour.

My vet done the same, wrote a letter but they still wouldn't have it and I wasn't going to argue too much over £20.
On the whole I am happy with them, my boy done ligament and tendon damage and apart from the sedalin they have paid all the claims without question, was just a bit surprised by this one as I hadn't heard of it before. I guess that is how they keep the premiums down.

 

[PSD]

My vet done the same, wrote a letter but they still wouldn't have it and I wasn't going to argue too much over £20.
On the whole I am happy with them, my boy done ligament and tendon damage and apart from the sedalin they have paid all the claims without question, was just a bit surprised by this one as I hadn't heard of it before. I guess that is how they keep the premiums down.

It is a pain, especially when vets state it isn’t being used for behaviour purposes. But yes it probably is as they are far cheaper than most, but I find they rarely question any claims being made and they’re very good to pay out

 

[Polos Mum]

I have for dog claims - pretty painful but it is their policy

I had my little dog back for her skin condition - steroids etc. - Bill was £126 so the insurance happily paid up the £6 - ha ha

 

[doodle]

Learn something new then. I have never come against this and have had a fair few claims. Also insurance have always paid out for sedalin. Last time Robin was having it daily.

 

[Bionic Boy]

Learn something new then. I have never come against this and have had a fair few claims. Also insurance have always paid out for sedalin. Last time Robin was having it daily.

it was the first time I had heard of it so maybe worth checking the small print. And it probably varies from company to company.