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pet plan insurance when your bun reaches 5years old
- Thread starter mini lop1
- Start date
thanks mabels was also £75 just got hers in post today it gone up to £95 :shock:
and monthly payments is £14.18 now was £12.74 last year
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its the excess amount I know some people have percentage added on to which I never understood, so this year for a treatment it will be £95 and not £75 then if ongoing covered up to £2000
daphnephoebe
Wise Old Thumper
They will often increase it all once they reach geriatric age.
Its normally an increase in the excess + 20% of final bill.
I've never known them to increase the monthly payments.
Always call them before you start making payments for the new amount and you can often get it decreased a little (you can always call your vets for advice on what to say).
Sadly its because once they reach this age they are more likely to need things done. If they've had very little done, or nothing done previous its definitely worth pushing to get them to reduce it.
Its normally an increase in the excess + 20% of final bill.
I've never known them to increase the monthly payments.
Always call them before you start making payments for the new amount and you can often get it decreased a little (you can always call your vets for advice on what to say).
Sadly its because once they reach this age they are more likely to need things done. If they've had very little done, or nothing done previous its definitely worth pushing to get them to reduce it.
MightyMax
Banned
I take your point, and I've had rabbits who have been insured with PetPlan, other places, and not at all .. Conversely to what you say, though, my experience is that if rabbits are good hardy sorts, they can go on way past 5 and be healthy many years. I find the 'weaknesses' (abscesses. E.C., head tilt, etc) show up much earlier, and I then know who the 'problem children' will be, as it were.
I can then choose whether to keep them/get them insured or not. If that makes sense!
daphnephoebe
Wise Old Thumper
Makes perfect sense.
I'm just putting it how the insurance company would see it though.
Insurance companies expect older pets to need more upkeep than a younger one (which as many of us know 9/10 isn't the case with rabbits). But with pets like cats they are likely to start showing signs of CKD, hyperthyroidism etc so they apply the same precautions on the policy with a rabbit as they would for cats/dogs.
=]
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Rupert & Tia
Mama Doe
We've just got our renewal for Rupert and Tia and the excess is £80 for veterinary fees and £50 for complementary fees - I think it was £75 before.
The payments have gone up £3.30 a month, I was going to ring up and try and lower them but i'm not going to, just tried to get a new policy and can't because they're over 5 so i'll just keep it as it is
The payments have gone up £3.30 a month, I was going to ring up and try and lower them but i'm not going to, just tried to get a new policy and can't because they're over 5 so i'll just keep it as it is
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daphnephoebe
Wise Old Thumper
We've just got our renewal for Rupert and Tia and the excess is £80 for veterinary fees and £50 for complementary fees - I think it was £75 before.
The payments have gone up £3.30 a month, I was going to ring up and try and lower them but i'm not going to, just tried to get a new policy and can't because they're over 5 so i'll just keep it as it is
Still worth a call. You may not get anywhere but if they put your monthly cost back down its worth it surely?
We've just got our renewal for Rupert and Tia and the excess is £80 for veterinary fees and £50 for complementary fees - I think it was £75 before.
The payments have gone up £3.30 a month, I was going to ring up and try and lower them but i'm not going to, just tried to get a new policy and can't because they're over 5 so i'll just keep it as it is
mabels excess is higher then most peoples so far, wonder If its because claims where made last year? at the moment I have something ongoing which they need to settle as they made payments in past then said last claim was not same as previous when it was all ongoing, had to get vet to email them, I'm still awaiting the outcome
I'll let you know in July which is when the renewal is due and they turn 5 in May so we'll see! Actually, I do compare the renewal when it comes through anyway so it will be interesting to see what happens. I shall continue with the insurance anyway because last year we claimed £1,700 on the insurance for Thumper which we couldn't have afforded, so will keep it up anyway. Putting money aside each month isn't the same. £30 a month, for example, is only £360 a year which is nowhere near what Thumper's bills came to and we don't have that kind of money lying around.
Rupert & Tia
Mama Doe
I'm paranoid that they'll bump it up more next year tho - I seen on watchdog that a pet insurance company (can't remember which one) put the payments up stupidly to basically force the lady to cancel. I know I'm probably being paranoid tho.
Rupert & Tia
Mama Doe
mabels excess is higher then most peoples so far, wonder If its because claims where made last year? at the moment I have something ongoing which they need to settle as they made payments in past then said last claim was not same as previous when it was all ongoing, had to get vet to email them, I'm still awaiting the outcome
It may well be - we've only made one claim and that's when our excess went up to £75.
daphnephoebe
Wise Old Thumper
I think I know which company you mean. (They're being watched still to monitor for things like this).
Don't worry about calling them, they get it on a daily basis. Sometimes you'll get somewhere, other times you wont.
If you do get somewhere they may try to raise it again next year (the same as this time), but if that's the case and you haven't claimed, just call them again. =]
Rupert & Tia
Mama Doe
Yeh, its scared the heeby jeebys out of me! So awful!
