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Old February 2nd 14, 11:39 PM posted to rec.pets.cats.anecdotes
Sylvia M[_3_]
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Posts: 1,034
Default How does pet insurance work?


"Judith Latham" wrote in message
...
In article , Christina Websell
wrote:

"Judith Latham" wrote in message
...
In article , Christina Websell
wrote:

"Sharon & Smudgie" wrote in message
...
So glad to hear Boyfie is home and on the mend

I had to pay the specialist vet then claim it back when Smudgie
was
in there being diagnosed with Epilepsy. I could have waited a
further 2 days on from when she was admitted so vet could set up
the payment directly with her insurer. I didn't want to wait,
hence
agreed to pay up and then claim it back.

Sharon

You have to pay the whole amount here when you collect your pet.
Which seems bit pointless because most people take out pet
insurance
because they don't have access to hundreds/thousands up front and
think it means they can get their animal treated and paid for,and
the
vet will wait for the payment.

I didn't have to pay up front when I claimed for Sootie. I took in
the
claim form to the vets, I paid my £50 pound excess and the 10% on
top
of that, then the vet's practice dealt with getting the rest and it
was paid directly to them.

That's the only time I've claimed so I don't know how other
practices
deal with it.

Judith

I had to pay up front to get Boyfie home. I'd like to suggest to
them
in the future that they cut some slack around huge bills. Yes, I
know
it costs a lot to provide 24/7 care and I'm very grateful for it but
what would have happened if I said "I cannot afford to save Boyfie?"
They'd had have him put down. So I said I could afford it. and
somehow
thanks to you all. I could. Bless all you beautiful people who
contributed (I'd like to thank you personally but the vet admin
didn't
allow me get your email addresses.) Very professional, they stripped
them out when they forwarded his emails.


It was certainly a big bill, but hey, Boyfie is still here. Tbh, I've
would have mortgaged my house to save his life.


Tweed


I had always had to pay up front before I told them I had insurance
then I
only had to pay my excess and then they billed me for the 10% later.
They
have a different system if it's to go through insurance. Ask at Chine
House what their system is for insurance payment. I think it would be
the
same as at my vet. I think it's well worth having Sootie insured,
(even if
I hadn't had to clam quite a big bill within only paying a couple of
months, I still think they're out of pocket). I know I can pay the
bills
then and if I ever manage to retire, that will be very important.

Judith

--
Judith Latham
Stourbridge, West Midlands. UK.


I'm retired, have been for a while, and our income is kind of fixed, but
with a bit of flexibility. Auto insurance, taxes, dental and car
repairs hurt though.

Sylvia