Petplan Equine - what to do?

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IndiaMoonpig

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I've recently had to pay a number of vet bills for sarcoids and lameness which I've covered totalling about £750 over about 4 call outs.

I've got another one coming shortly and was wondering whether it would be worth claiming it and the previous invoices on the insurance with Petplan Equine as I've heard that they won't cover my mare for sarcoids and her two front hooves anyway as there's previous vet history showing these issues. Is this correct?

And will claiming approx £850 vet bills, minus the £135 excess for each condition so probably looking about £600 claim back, be worth it with the possible insurance hike when (and if) I renew in September? I'm sure I'm only insuring for piece of mind that if the worst happened I wouldn't be lumped with a £5k plus bill, she's only 5yrs and I'm paying all her vet bills straight out of my own pocket anyway plus another £400 for the years insurance... What does everyone think?
 
You have to inform your insurer of the vets findings anyway as otherwise your insurance will be invalidated in the future, so you may as well claim, you have nothing to lose
 
Your policy will list exclusions on your mare. If it is possible to claim I would - you have to inform them of any Vet's treatment anyway - no harm in giving them a call.
 
Worth a try, but you normally have to inform them you are having treatment before you do it, unless its an emergency (when you are supposed to do it 'at the earliest opportunity').

Give them a call and grovel, the customer service ladies are normally really nice and helpful.

However once you tell them (which as previous poster said you should really do anyway) they will probably put exclusions on your policy and raise your premiums, regardless of whether they let you claim or not.
 
My insurance has never gone up by much and I have claimed several times with previous horses
But whether she will be excluded because of previous history will depend on insurance. However I suspect you may have trouble claiming

As others said you have to tell them anyway so nothing to lose
 
Your premiums aren't dictated by how many claims you have personally made, it's by how much the company has paid out in total over the previous years and the increase in vet fees. Generally they work out a rate % and apply that to how much you're insuring to calculate the premium. The rate applied would be determined by breed, age and sometimes location.

They can't offer a no claims bonus as it were otherwise it would discourage people from seeking vet treatment.

Have you already got an exclusion on your policy for sarcoids and lameness? If you do they wouldn't cover the treatment
 
I have put in claims with Petplan over the last year totalling approx £3k and my premium went up by £5 per month on renewal. Horse does have quite a list of exclusions though!
 
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