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Petplan- Has anyone been refused payment?

S

Sarah86

Mama Doe
I'm just wondering because there is a clause that states they will not pay for 'dental trimming' of rabbits teeth, (personally I'd class that as trimming incisors but who knows what they mean by it) Poppy has been treated for a retrobulbar abscess and will be under GA again to have her eye removed tomorrow but she also had her molars burred, surely this can't be classed as dental trimming, it's only a tiny part of the treatment she has received but I'm a bit worried that they are going to be :censored:holes about it. I've called them but obviously I was told I have to submit a form and they can't tell me over the phone :roll:.

I don't see why they won't accept burring of molars on the basis most vets won't do it without GA and without it doing they would stop eating and starve to death. :?
 
Yup....I know from personal experience that they do not pay for dentals, and know from a resuce that this is also the case for them. However, there are ways around it....as Poppy has had a retrobular abscess and this could possibly have been a result of her teeth they may be willing to pay. The vet just needs to state that the trimming had to be done in order to also treat the other problems....It's generally just generic dental work that they don't have.
 
I think I'm going to just put the abscess down as the condition and ask the vet to say what you just said, worst case scenario he will put the actualy burring down as a tiny part of what was done, she needed to go under GA for her x-ray and the meds were for the abscess :? Fingers crossed he will word it right since he's already got his money. She may have to have some teeth pulled too as it's a root that's caused the abscess- I really think they ought to clarify what is meant by 'dental trimming'.
 
Sarah86 said:
I think I'm going to just put the abscess down as the condition and ask the vet to say what you just said, worst case scenario he will put the actualy burring down as a tiny part of what was done, she needed to go under GA for her x-ray and the meds were for the abscess :? Fingers crossed he will word it right since he's already got his money.
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Good idea... He will probably put details of the burring in his report, but as it's part of the overall treatment of the abscess it should be overlooked. I tried to get them to pay for Teddy's dentals after he had devolped spurs, previously had his teeth checked every six months, and they agreed to 'honor' the first payment (which incidentally was less than the excess :roll:) but put it on his files that they would not pay for ANY condition related to teeth in the future...which of course means they have a loop hole to get out of paying for a lot of things, including abscesses :roll:

Having said that they have been fantastic paying for other claims....always within two weeks!

I hope tomorrow goes well and Poppy has a speedy recovery :)
 
they should pay aslong as it was essential and the bun was insured before the treatment was needed...
 
Indiechic said:
they should pay aslong as it was essential and the bun was insured before the treatment was needed...
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They don't though, they don't define what is essential. If it's simple dental work i.e burring of spurs they won't pay. Teddy was insured for two years without any claims before he developed problems, despite vet records to say his teeth were checked countless times and he was healthy. They wouldn't pay for any of THumpers dental either. :(
 
charlie82 said:
They don't though, they don't define what is essential. If it's simple dental work i.e burring of spurs they won't pay. Teddy was insured for two years without any claims before he developed problems, despite vet records to say his teeth were checked countless times and he was healthy. They wouldn't pay for any of THumpers dental either. :(
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they will if its related to the condition... i had this out with them previously... and if its a life policy, they cannot refuse to cover the same instance by law.
 
charlie82 said:
Good idea... He will probably put details of the burring in his report, but as it's part of the overall treatment of the abscess it should be overlooked. I tried to get them to pay for Teddy's dentals after he had devolped spurs, previously had his teeth checked every six months, and they agreed to 'honor' the first payment (which incidentally was less than the excess :roll:) but put it on his files that they would not pay for ANY condition related to teeth in the future...which of course means they have a loop hole to get out of paying for a lot of things, including abscesses :roll:

Having said that they have been fantastic paying for other claims....always within two weeks!

I hope tomorrow goes well and Poppy has a speedy recovery :)
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Thanks :)

I was under the impression that so long as they had dental check ups they would pay it and she's had them- I've called the vets they said they'll try and word it so that they will pay out for the lot. I think I'll just set up a vet fund when the policy runs out or just do both!

Any condition relating to teeth- that's disgusting! FFS her tooth root has caused this, she wouldn't eat, she's having to see a specialist and get her eye removed as a result, if that's not a medical condition that couldn't have been prevented I don't know what is! We've spent £271 so far and I can't even imagine what her time at Harrogate is going to cost.

Dr Harcourt-Brown isn't a fan of Pet Plan when it comes to rabbits- I wonder if there is another insurer that would be better? I think I'll ask when I call tomorrow.

I think I'll just set up a vet fund when the policy runs out or maybe do both while the fund builds up!
 
Sarah86 said:
Thanks :)

I was under the impression that so long as they had dental check ups they would pay it and she's had them- I've called the vets they said they'll try and word it so that they will pay out for the lot. I think I'll just set up a vet fund when the policy runs out or just do both!

Any condition relating to teeth- that's disgusting! FFS her tooth root has caused this, she wouldn't eat, she's having to see a specialist and get her eye removed as a result, if that's not a medical condition that couldn't have been prevented I don't know what is! We've spent £271 so far and I can't even imagine what her time at Harrogate is going to cost.

Dr Harcourt-Brown isn't a fan of Pet Plan when it comes to rabbits- I wonder if there is another insurer that would be better? I think I'll ask when I call tomorrow.

I think I'll just set up a vet fund when the policy runs out or maybe do both while the fund builds up!
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Frances has treated Teddy in the past..... and the rescue I was referring to use her as their vet :) My vet also says they don't pay, so it's whether or not the vet is willing to bend the truth a little as to if they will cover it. I know some vets will do this. If you find out about any other insurers then please let me know.... I have struggled to find any that will consider dental burring as essential treatment.... it seems you have to allow your bunny to get in a state before they will consider it. :roll:
 
charlie82 said:
Frances has treated Teddy in the past..... and the rescue I was referring to use her as their vet :) My vet also says they don't pay, so it's whether or not the vet is willing to bend the truth a little as to if they will cover it. I know some vets will do this. If you find out about any other insurers then please let me know.... I have struggled to find any that will consider dental burring as essential treatment.... it seems you have to allow your bunny to get in a state before they will consider it. :roll:
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She defnitely knows what she's doing, I'm not so worried about the op, it's the aftercare I'm worried about- were you allowed to visit?

I've spoken to the vets, they said that it is interlinked and when you take the cost of the GA off that the dental part is really small anyway.
 
Sarah86 said:
She defnitely knows what she's doing, I'm not so worried about the op, it's the aftercare I'm worried about- were you allowed to visit?

I've spoken to the vets, they said that it is interlinked and when you take the cost of the GA off that the dental part is really small anyway.
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Yes, she is very good! I never needed to visit because Teddy was always in and out within a day... she neutered him, removed a tapeworm abscess (he had that when we got him) and then operated on an inguinal hernia because my rabbit vet up here was on holiday! She also consulted on Thumper's treatment who I sadly lost a few weeks ago :cry:. She's a little more expensive though....

Burring can literally be pennies..... if she is already under GA then yes, it would not cost much at all!
 
charlie82 said:
Yes, she is very good! I never needed to visit because Teddy was always in and out within a day... she neutered him, removed a tapeworm abscess (he had that when we got him) and then operated on an inguinal hernia because my rabbit vet up here was on holiday! She also consulted on Thumper's treatment who I sadly lost a few weeks ago :cry:. She's a little more expensive though....

Burring can literally be pennies..... if she is already under GA then yes, it would not cost much at all!
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Just a bit! her consultation fee alone is double but I suppose you have to pay for someone with as much knowledge as her, we only got in by referral from our vet.

Poppy will be there a while, she is removing her eye and then dealing with the abscess before closing the socket so she won't be well :(. I'd like to go and give her a cuddle, she's been in our bedroom for 3 weeks so it's so strange now she's at the vets. I don't know how I'm going to cope at work tomorrow- :cry:
 
I had a letter from them saying they don't pay for 'teeth related' problems after Peppers had a GA and subsequently teeth burred and pain relief for a sore cheek he had.

Initially I didn't bother claiming after he had a GA for an abscess diagnosed in January this year, as I assumed they'd refuse the claim, believing it to be related to teeth. I asked for an xray which determined the abscess was not tooth related, so the vet just put 'abscess' on the claim form and they paid out.

I think like most insurance companies, they won't pay out if they can avoid doing so.
 
I am currently waiting to see if they will pay for the removal of Gregory's teeth! He has had very regular dentals in the last 7 months since the problems began and the vet decided the best thing was for them to remove it. So far I have only paid the claim and the ladies in the office at my vets sort out the claim forms for me and Petplan pay straight to them!

Hope Poppy's op goes well!
 
Nope pet plan wont pay out for Noel..... So the insurance is a waste of time. I am left with a hefty vets bill that I was told would be covered.
 
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