biscandmatt1
Wise Old Thumper
eddie had a dental today and he is insured with exotic direct. when they say they cover 50% of dental costs, does that mean the actual dental cost, or the whole dental procedure cost, including the sedation/GA? :wave:
eddie had a dental today and he is insured with exotic direct. when they say they cover 50% of dental costs, does that mean the actual dental cost, or the whole dental procedure cost, including the sedation/GA? :wave:
I would assume everything. Give them a call I find Exotic direct the easiest insurance company to deal with.
thanks. not sure how insurance works really and when it's worth claiming or not. the actual dental was about £37. the GA was £71 ish. £50 excess and then they pay half. i think... :?
Is the excess £50 now ? It used to be £35 but I know everything changes year by year. If it came to £108 I would still claim if you get £58 back, although your premium may go up but if you make a few claims each year its worth claiming every time.
Better check mine as well.had to double check then! both eddie and mollie have £50 excess.
sorry if i'm being thick... so basically i take the £50 excess off the total amount each time and then get the remaining amount back? but in this case i get half because they only cover 50% if it's dental? .... that's right isn't it? :lol:
Better check mine as well.
Oh yes how dumb of me. £108 minus £54 then minus £50 excess equals £4. Not worth claiming £4 because they would only increase next years premium.
they might have changed the excess because they changed the payments to be over ten months instead of over twelve like it used to be.
what would you consider an amount worth claiming for? x
Not sure, over £20 or so. But then they might work it out as £108 minus £50 excess, leaving £58 take half away leaving £29. I will see if I can find an old claim. I keep everything.
thanks. things like this really confuse me. x
Don't worry insurance is meant to confuse.
I see the excess has always been £50 since 2011, no idea where I got the £35 from.
My claim was £480.17 in 2013:shock: it says £480.17 minus veterinary fees excess £50.00. That isn't much help as there were no other deductions but they put up the premium from £129.90 to £186.19 the next year, an increase of £56.29. Ouch
you can phone them on 01444412118. I can't see anything in the booklet on how they work out claims.
update on this - o/h phoned to ask some basic questions. the man was really difficult and said they can't give out that info and basically accused him of trying to get more info as a way to get more money out of a claim :shock:
all we wanted to know was whether you have to get a new form for every appointment, and if the excess applies for every appointment even if it's a continuation of treatment. and whether that is still the same because it's dental.
:roll:
How rude. Would your OH pluck up the courage to phone back and speak to someone more helpful ? Normally you make one claim for the continuation of the one condition.