insurance excesses

Re: insurance excesses

Steph Worsley — Wed, 28 Jul 2010 20:46:04 GMT

hmmm no i think PP's age is 10 for cats cos they have upped the limit for taking out new policies to that. my guys are 8 and have the cheaper excess still

Re: insurance excesses

Doolally — Wed, 28 Jul 2010 20:35:08 GMT

He's 7 i'm not sure what age petplan class as older cat I think it's 8 isn't it?

I'm not sure if my dog's excess has gone up....will have to check....

I'm north london so have a higher excess than lots of other areas!

Re: insurance excesses

Steph Worsley — Tue, 27 Jul 2010 21:25:59 GMT

cant add anything to the above posts

has your cat just gone into the older cat bracket....just wondering why your excess has gone up £20 my excess is only £70 as far as i know!!!

Re: insurance excesses

Doolally — Tue, 27 Jul 2010 21:04:17 GMT

:sigh: it does make sense. Just never had a claim so close to renewal so never been in this position before so got myself all confused! I steer clear of claims with clients and leave it up to reception.

Pain in the behind as petplan have just put my excess up from £85 to £105 and as work paid my last excess they won't pay this one, and because it's an insurance claim and he may need further bloods they can't put my discount onto the last bill!

He seems to be ok now which is the main thing...I think he may have licked/eaten something dodgy

Re: insurance excesses

BengalcatRVN — Tue, 27 Jul 2010 21:03:20 GMT

Spot on! :D can you come talk to my client? I can't get that into her head!!! lol ;)

Re: insurance excesses

Busy bee — Tue, 27 Jul 2010 21:01:33 GMT

I think even though you just paid an excess, that would have been for the last policy year -when you enter a new policy year you have to pay an excess even if it is a continuation from the last policy year. Once you have paid this, you can continue to claim through the year for the same condition and shouldn't have to pay any further excesses?

I hope that makes sense?? Sorry if that is no help at all!!

I do the claim forms where I work and there are a few that are on long term meds and this sounds familiar

Re: insurance excesses

BengalcatRVN — Tue, 27 Jul 2010 20:56:53 GMT

one insurance excess per condition per policy year. That's with petplan.

Same thing happened to me, my ins renews 24th December, cat had tx 23rd, vet forgot to disp antibiotics and did the next day, but fell into new policy year.

Don't get me started on other ins co's! Always arguing with 1 client about her ins excess. Have spoken to her ins co loads of times, and told her to call them (she never does) but every time.....

Re: insurance excesses

Rhiannon Stundon RVN MBVNA — Tue, 27 Jul 2010 20:56:31 GMT

You pay an excess per condition per POLICY year with Pet Plan. So if your renewal date is 1st July then you pay an excess for the condition on the fees accumulated in the period 01/07/09-01/07/10 and now another excess for the condition on the fees accumulated in the period 01/07/10-01/07/11 and so on.

This is fairly standard practice in pet insurance.

Re: insurance excesses

Carys Thorp — Tue, 27 Jul 2010 20:55:34 GMT

Its one excess per policy year, so you are just unlucky its gone into the next policy year. Hope your kitty is ok now!