Petplan - horse had op, wont pay for overnight stabling

Achinghips

Achinghips

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My girl had her hocks injected with ethanol and vet said she had to stay in overnight so they could keep an eye on her. It turns out that they have declined paying for her overnight care/stabling, but the vet would not let me remove her overnight. They also won't pay the p & p for her danillon. Any thoughts or is this normal?
 
I had the same problem with them when one of my dogs went to cambridge vet school.

The vet in charge if her case argued with oet plan that is was part of her treatment and eventually they backed down.

Hence the reason why I won't use pet plan now
 
Yes, not all insurers cover stabling and/or transport. My horse was in hospital for 4 nights and Petplan didn't pay for the cost of this. However, it wasn't too expensive and I wasn't too bothered as the premiums were so much less than NFU, who did include stabling in their plan.
 
I left PetPlan 6 months ago a with a long laborious fight with them which I won't bore you with on here. Ask for an explanation in writing as to why not?
 
This is normal, to get cover for overnight stabling you need a vets fees extension policy. If you read the small print of your policy it will be written down what is included and what expences are not included. Postage for drugs will not be ncluded.
 
ok, thanks all - we're only talking about £50 total so I won't fight them over it, but I did think that they were a bit mean.
 
hmm,well I guess this cover differs with insurers as ours pays up to £500 for stabling/nursing care and £300 for transport costs (this is out of your total fees allowance though obviously). Bit odd that Petplan don't cover this to be honest but then these are things you need to check when you take out policies - what is covered and what's not. You shouldn't just assume. I can understand themnot paying for p&p as this isn't directly part of the claim/treatment.
 
Check your policy - I know when I had pet plan they did not cover stabling. If it states in your policy that it is not covered then you probably don't have a chance of arguing.

Some years ago I had to send my lad for rehab at a yard with a horsewalker. After 3 months total box rest he was a lunatic and needed 6 weeks walking in hand which was too dangerous to do on our yard. The rehab yard very cleverly billed me a LOT of money for the horsewalker which was "therapy" and a nominal sum for livery which I paid. The insurance company paid for the horsewalker on vets recommendation as an alternative therapy. The total cost was something like £1200 as it was full livery but I only paid about £200 of it. :) Worth considering
 
It is in the policy details with Petplan - all in the booklet. My horse was at vet hospital last year for three months in total - one two month stay, and another two, two week stays. My livery bill was about £900. But I had read the policy beforehand and I knew it wasn't covered, so I expected it.
I have nothing but good to say about Petplan Equine. I had to phone them again last night as horse has to go for a scintigraphy scan - they were extremely helpful and offered some good advice.
It's advisable to read the policy booklet when taking out insurance - you have a 14 day cooling off period. Most people can read it within 14 days....then if you don't like it, cancel the policy! Simple.
 
It's common for insurance companies not to pay for stabling/livery. Many won't pay transport costs.

As for post and packaging of course they won't pay that! It was your choice to have it posted to you instead of picking it up.
 
My mare is with petplan and when she was at the vets for 10 days they didn't pay her livery fees (about £20 a day) but did pay her nursing fee (about another £20 a day) so my vets have seperated the cost. I had to pay the livery bit.

That said, it made no difference to me, as the final bill was 2.5 k over the insurance anyway (colic surgery)

Its all in the small print.
 
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Its easy to say " you should have read the policy" but tbh - I DO read my policy and its only be reading comments on forums like this that I have learnt what to look for!. As an example, both horses have public liability cover etc etc. Its only from reading on here that I rang back to check what would happen if someone riding my horse had an accident - they are no covered. I am covered if someone else rides my horse and said horse causes damage but not the rider. I would have missed that completely had it not been for someone on here pointing it out and I am afraid I would have missed the "no stabling clause" as well.

Having just had a gastroscope done for Billy, I did call NFU on the claims line and was very pedantic to ensure I am covered (subject to final approval) but it took calls to vet, hospital AND insurance to make sure I actually had this...
 
nope as others have said they don't neither do SEIB and many others

BUT NFU only cover half the cost of an MRI scan so equals out in the end

I always think that if all is equal with the premiums, if you DON'T have your own transport or easy access to then go with NFU as they cover (or did) transport costs too which a lot don't. Your more likely to have to pay out for transport than you are for an MRI
 
There's an interesting mix of what insurance companies will and won't pay for.

I think both of mine (NFU and E&L) paid half of the overnight costs, but both claims were a while ago, so I might have remembered incorrectly.
 
Mine was in horsepital for a week last autumn. Petplan paid 50% fees and 50% nursing if I recall correctly as they'd just changed the terms and conditions. You get a booklet which gives the details when you get your policy and it's all in there. Like Holly Hocks, I have nothing but good to say about them - they have paid out about £10,000 for my horse this year over two claims with no fighting - they didn't pay for anything I wasn't covered for but I'd read the policy so I knew what to expect. If it hadn't been for them my horse would be retired or worse by now so I am a happy customer :)
 
U carnt have everything paid , petplan are great insurance company, mine stayed in 4 days bill was 58.00 so 1 night at 50 seems expensive
 
When my mare had her kissing spine op last year, she had to stay at the veterinary clinic for 3 weeks due to a very nasy infection that needed to be got under control. At the time she was insured with NFU and they paid for 1/2 of the livery ( stabling costs) and all of the nursing care. ie daily rate was £19.00 = £10.00 stable and £9.00 nursing so they paid £14.00 per day towards her stay which I didn't think was too bad.
 
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