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Insurance with pet plan

bumblicious

Warren Veteran
Hi

Does anyone know with pet plan it says

You must arrange and pay for your pet to have a
yearly dental examination and any treatment
normally recommended by a vet to prevent injury
or illness. Any treatment recommended as a result
of the dental examination must be carried out as
soon as possible. If you do not keep to this
condition, any claims which relate to it will not be
covered under the policy.

So the vet looks at a bunny's teeth when they have their vaccinations is that classed as a dental exam? Does the above paragraph mean they don't cover teeth problems? (I don't have insurance with pet plan I'm just looking at the info on net about taking it out) Does anyone have pet plan who can tell me this?
 
Yes I think it is as when Doughnut has her vaccination a health check is included and they also look at her teeth, ears etc, so you should be covered.
 
Just read further down and it says this about their teeth

The cost of trimming, burring or rasping rabbits’ teeth.

So basically no teeth issues are covered that's a bit rubbish isn't it

Won't pay to put a pet to sleep either. Thought they might do
 
Then it says this
it doesn't cover for

Extra costs for treating your pet outside usual surgery
hours, unless the vet or therapist confirms an
emergency consultation is essential, regardless of your
personal circumstances.
14. T he cost of hospitalisation and any associated
treatment, unless the vet or therapist confirms your
pet must be hospitalised for essential treatment,
regardless of your personal circumstances.


Does this mean they won't cover you for treatment at emergency vets? And even if your bunny stays overnight at vets can they get out of paying for that because of what it says above?
 
I've unfortunately got the pet insurance after Doughnut's been ill and in hospital. I know lots of people on here who have claimed and got all their money back. If the vet recommends you see a specialist and they keep them in for tests etc. I'm sure everything is covered.I don't think anyone has had any problems with them paying out.
 
So they are just putting that there to cover their own backs do you think?

It also says this

We may refer your pet’s case history to a vet that we
choose and if we request, you must arrange for your
pet to be examined by this vet.


Well I'm never giving my bunnies to a non specialist bunny vet ever again so this worries me or do you think they just put this to cover their own backs as well?

Whose is yours with?
 
My petplan insurance for floppy was settled.

They paid for emergency consultation but did however deduct the excess. They did not pay for euthanasia nor cremation.

Out of £189 paid, i got back £65.65
 
Oh I see so they would pay out for emergency vets treatment. I just worry when I see all these things saying they won't pay out for this that and the other and that they may insist on this and that...
 
Looking at quote for pets at home insurance and there's no option to put that my bunny's a crossbreed! What are you supposed to do!
 
£7 something a month with pets at home a £1500 per year vet fees but £75 excess AND 10% towards vet fees

pet plan £11.05 a month but £2000 per year vet fees and only £55 excess
 
Pet Plan covered all Roxys treatment including PTS bar excess of £55 and cost of critical care. Our bill was just short of £500. I don't know if the vet covered the cost of PTS in something else.
 
Help u cover is £7 something and same vet fees amount as pet plan and excess but says it won't cover complications arising from vaccinations etc whereas as pet plan will. They will also not pay for 2nd or subsequent instances of flystrike or injuries from fights with another pet whereas pet plan doesn't say they won't do that.
 
Pet plan cover injuries following fights, they will also cover emergancy vets fees as long as the vet agrees that it was an emergancy (which they usually do).

I'm with petplan...never had any problems with them at all.
 
There have been people on this board recently who had trouble with Pets at Home cover, so I would go with PetPlan if I were you.

They do cover emergency treatment and hospitalisation if the vet thinks it is necessary.
They don't cover burring or trimming of teeth but they may cover other dental problems if your rabbit has had regular dental check ups.
Most vets will do a dental check when they do vaccinations but you might want to ask the vet to add a note to the computer system that they checked teeth too.
 
The things you have quoted are pretty normal for all pet insurance policies. Basically they will only pay out for dental treatments if it is the cause of injury or illness AND it's not something that you have left until it caused a problem. So if in your 'annual dental check' (make sure your vet makes a note on the record of a dental check during yearly vacc) if the vet sees anything that may cause a problem, you won't be covered for the dental that year if it causes a problem later in the year but you hadn't had a dental done when the issue was first seen. It's basically just to stop people from ignoring dental problems (bunnies teeth grow continuously so none of the insurers cover normal dentals) and waiting until it causes illness before treating.

The emergency cover is also standard wording - it's just to stop you from claiming for an emergency appointment because it is convenient to you to go at that time, rather than because it is needed. I claimed via PAH insurance for my cat last year and it covered the emergency appointment as well as the follow up visits and op at my own vet. Pet Plan are pretty much the premium of pet insurance so I would expect their cover to be the most comprehensive of any of them.

Good luck x
 
Petplan has paid for all my emergency vet visits (ie to ridiculously expensive 24 hour vets), also all my rabbits dentals apart from those rabbits that had known dental problems before insuring, also treatment that might be classed tbh honest as above and beyond' what might be expected (Parsley's cancer vaccines were extremely extremely rare - in fact as far as we know only rabbit to try them), also paid up for wounds from fights and accidents, etc etc etc

I would go with Petplan every time.
 
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