louise and Gus
Wise Old Thumper
I put Rabbit not eating on the form
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how many times has your insurance paid out for a dental.
- Thread starter donnamt
- Start date
I put Rabbit not eating on the form
Alvin was 8 weeks old when i started his insurance july 2007. it was may 2009 when he needed the dental :?
if he ever needs another one ill still send the claim form just incase they forget what they said :lol::lol:
LoopyLouie
Wise Old Thumper
It says in the policy they will not cover anything to 'prevent an injury or illness' so perhaps when it's preventative, like filing teeth down to stop future problems, it's not covered?
One things for sure, you can't rely on them paying out, best to save a bit too!
One things for sure, you can't rely on them paying out, best to save a bit too!
Bunny Buddy
Wise Old Thumper
That could be the key to the wording - bunny stopped eating = emergency dental as opposed to preventative care.
Dustyrabbit
Warren Veteran
I tried to get this clear when I took up PetPlan insurance - though getting anything clear with them seems to be a struggle.
Verbally they told me that the rabbit must have had a dental exam (ie had his teeth looked at by the vet and presumably logged in the notes) at least once within 12 months of the claim and the treatment given must be deemed necessary by the vet, ie not "cosmetic" or "routine". I was also told if in doubt claim, they'll always consider it.
Although in my booklet, the covered for life policy Section 1A 14 states they will not pay for "The cost of trimming,burring or rasping rabbit teeth" From what I have been told I consider that to mean "routine trimming, burring or rasping" and should the need ever arise I would despute this all the way.
My advise would be never to take anything they say as gospel unless you get it in writing - also always deal with the customer services/complaint dept never sales as they all tell you something different.
Verbally they told me that the rabbit must have had a dental exam (ie had his teeth looked at by the vet and presumably logged in the notes) at least once within 12 months of the claim and the treatment given must be deemed necessary by the vet, ie not "cosmetic" or "routine". I was also told if in doubt claim, they'll always consider it.
Although in my booklet, the covered for life policy Section 1A 14 states they will not pay for "The cost of trimming,burring or rasping rabbit teeth" From what I have been told I consider that to mean "routine trimming, burring or rasping" and should the need ever arise I would despute this all the way.
My advise would be never to take anything they say as gospel unless you get it in writing - also always deal with the customer services/complaint dept never sales as they all tell you something different.
LoopyLouie
Wise Old Thumper
Definitely. Also, the dental wouldn't be the primary illness/injury, it would be treatment as a result of. I wonder if there are ways of getting round this?
I'm thinking people who have had one, then get told they won't cover anymore is if it's stipulated that further dentals will be needed in the future to prevent the initial illness recurring.
lottielouise
Wise Old Thumper
I have to say, nothing has been mentioned like this to me, I got my Cheque last week for Frankie's dental before Christmas , should i espect a letter stating such?
Jaysmonkey
Wise Old Thumper
Nope, not the case at all. Even if the bunny doesn't have pre-existing dental problems, the insurers would not pay for any dental/burring/cutting.
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mine was written on the back.. where it says how they came to thier decision..thw break down of the claim amount and what theyve paid
lottielouise
Wise Old Thumper
Just fished it out of the bin I had a problem with Cherry's policy in November, she was put on Charlie, Sophie and Granite's policy number, which meant her policy started 3 weeks later than I took the policy out. Anyway, they refunded me that money paid, and asked me to pay them in back on the new policy:roll: I should really read things that come through my door:roll: Anyway. I with draw all previous comments. I am STILL waiting for a decision :roll:
LoopyLouie
Wise Old Thumper
Why did Frankie have a dental, if you don't mind me asking?
lottielouise
Wise Old Thumper
he had gone really skinny, the vet found a couple of tiny spurrs. She said had he not of stopped eating she wouln't have thought there was cause for concern, if you see what I mean
LoopyLouie
Wise Old Thumper
So the teeth problems caused the problem, that's why they paid out.
This issue had been discussed before here...
http://forums.rabbitrehome.org.uk/showthread.php?t=190727&highlight=petplan+dentals
It's so annoying that they don't actually pay out for dentals on their own and the poor bun has to be ill beforehand :roll: I'm guessing they won't pay out for 2 in a year too, only as a 'goodwill gesture' for the first one :roll:
This is one of the reasons I decided against insurance.
It says in the terms that they won't pay for teeth filing, dental work etc. People have mentioned that they will pay if it's an emergency rather than routine treatment, but how many of us take our bunnies in for teeth filing unless it's absolutely necessary?
We don't get their teeth trimmed every few mths, just like we would their nails - it's always done because there is a need. Does that mean you have to wait until the bunny stops eating (and therefore becomes an emergency) before getting the work done, even if you spot it sooner? :?
It says in the terms that they won't pay for teeth filing, dental work etc. People have mentioned that they will pay if it's an emergency rather than routine treatment, but how many of us take our bunnies in for teeth filing unless it's absolutely necessary?
We don't get their teeth trimmed every few mths, just like we would their nails - it's always done because there is a need. Does that mean you have to wait until the bunny stops eating (and therefore becomes an emergency) before getting the work done, even if you spot it sooner? :?
LoopyLouie
Wise Old Thumper
Basically yes. It cannot be done as a preventative treatment, which, let's be honest, most dentals are :roll:
lottielouise
Wise Old Thumper
Answer for Frankies Dental work.
As with others
"your pet insurance does not cover the cost of trimming teeth. We have included the cost of your claim settlement because the treatment is connected to the diagnosis. Although we have paid this cost on this claim we will not be able to help you for any future claims for timming your rabbit's teeth" grrrrr
As with others
"your pet insurance does not cover the cost of trimming teeth. We have included the cost of your claim settlement because the treatment is connected to the diagnosis. Although we have paid this cost on this claim we will not be able to help you for any future claims for timming your rabbit's teeth" grrrrr
KerinTravis
Mama Doe
I, like others have said, don't have insurance because Travis has dentals every 12 weeks, and as far as I've always been concerned, no insurance would cover it.
In an ideal world I'd have a bank account opened specifically for my buns, and would pay into that the equivalent of a monthly insurance premium to help to cover some of my vet bills. - at least that way there'd be no clauses!
In an ideal world I'd have a bank account opened specifically for my buns, and would pay into that the equivalent of a monthly insurance premium to help to cover some of my vet bills. - at least that way there'd be no clauses!
lottielouise
Wise Old Thumper
In my mind insurance is still worth it, as before Christmas Cherry had a series of tests to investigate why she was drinking so much. Xrays, blood test and urine tests came to £270 which I wouldn't be able to afford otherwise.