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For anyone with PAH pet insurance
- Thread starter Santa
- Start date
Horace the Bold
Alpha Buck
Oh that's bad news [emoji45]
We insured our two back in June, P@H was half the cost of Petplan, but the cover wasn't as good. I cannot remember the difference in the cover, but we went with P@H.
If it doubles at renewal we will have to really weigh up the options
Thank you for the heads up
Bunny Buddy
Wise Old Thumper
*crying inside*. I've work out I either cancel all insurance except for such as Elijah with expensive underlying conditions or I would need to work an extra 4 hours a week to make up the difference.... definitely no more rabbits for a long time. 
. that four hours is just for the young rabbits of course (ie c £80 hike) ... the difference in premium for the older rabbits will be more staggering than that.
Dinky (age 9) insured with Pets at home £123
Erin (age 9) insured with Petplan £237 ....
. that four hours is just for the young rabbits of course (ie c £80 hike) ... the difference in premium for the older rabbits will be more staggering than that. Dinky (age 9) insured with Pets at home £123
Erin (age 9) insured with Petplan £237 ....
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Santa
Wise Old Thumper
http://www.vettimes.co.uk/news/petplan-partners-with-pets-at-home/ Makes it sound as if PAH are pulling out of pet insurance and are just directing customers to petplan. It does make me worry that pet insurance is going to become unaffordable for many bunny owners.
Bunny Buddy
Wise Old Thumper
I suspect so. Their prices were too good to be true given especially in the early days when you could insure a rabbit of any age! I'm lucky in that the OOH in this area are not as steep as some of the areas that have to use the likes of Vets Now so not insuring in an option for me but more than a little scary. A lot of people said that P@H T&C didn't match Pp but they did bar the £2k v £1.5k - they've just paid out for Lola's very ordinary molar spur dental. My biggest concern is that I've been considering cancelling all policies for over 7 year olds with Pp as the excesses just make them not worth having ... so this is the scenario I'm faced with for all of them now. Such a huge worry.
Jack's-Jane
Wise Old Thumper
I have been thinking this for some time. Both Vet Fees and Insurance Premiums are going up and up. So either people will no longer have Pet Rabbits (may be a good thing, but that's for another thread!!) or they will be less likely to seek Vet treatment for any they do have
daphnephoebe
Wise Old Thumper
I feel sorry for those on p@h insurance. A few years ago another insurance company closed down and redirected their customers to another insurance company.
A lot of people couldn't get the same cover as all the pre existing conditions weren't covered anymore.
Although no fault of the owner, they had technically stopped a policy and taken out a new one.
Sent from my SM-G903F using Tapatalk
A lot of people couldn't get the same cover as all the pre existing conditions weren't covered anymore.
Although no fault of the owner, they had technically stopped a policy and taken out a new one.
Sent from my SM-G903F using Tapatalk
chloemurray
Warren Veteran
I'm cancelling my insurance with them as it went up so much. Genuinely tempted to get an emergency credit card for bunny vet bills instead, the premiums are a nightmare now.
MightyMax
Banned
Bunny Buddy
Wise Old Thumper
Helpucover is looking like a contender as an alternative. It's the excesses mainly that are the problem for me with Petplan.
Santa
Wise Old Thumper
I'm pretty sure that Exotics direct used to do some kind of collective policy where you had a combined maximum for the year rather than for each individual animal. No idea whether they still do that though, but if they do, that might be a viable alternative for someone with several buns (although obviously won't be much use for those with pre-existing conditions)
MightyMax
Banned
I found exotic direct to be very good. They do exclude conditions once they have paid out for them in a year though.
Bunny Buddy
Wise Old Thumper
Interestingly enough, I've just done a quote for a < 1 year old rabbit and with Pets at Home website he came back at £162, from the Petplan website he came back as £153.48... looks like you are paying for your 'free' £10 P@H voucher
Bunny Buddy
Wise Old Thumper
I don't know if I'm not understand this properly but I don't get the point of insurance if this is the case, surely if a condition is recurring that's when the bills start to get out of hand and that's when insurance is most important? (I may have misinterpreted you post though...)
Santa
Wise Old Thumper
Interestingly enough, I've just done a quote for a < 1 year old rabbit and with Pets at Home website he came back at £162, from the Petplan website he came back as £153.48... looks like you are paying for your 'free' £10 P@H voucher
How fascinating!! Cheeky so and sos!
I also discovered yesterday that if you do them via pet plan and quote code 1300027785 then the RWAF get a donation from every new policy or renewal.
It's fairly standard for policies to pay out for a condition for a year and then it goes on the list of excluded conditions. Some have 'lifetime' policies which will continue to pay for ongoing conditions for life. These usually have an upper limit of claims value per year.
Bunny Buddy
Wise Old Thumper
Oh, I understand now, I did misinterpret the post. If you are taking out insurance for that year and cover doesn't continue for the following policy year then I can understand why it's excluded. I read it to mean that during the policy year if you claim once for a condition then you can't claim again for the same condition during that policy year - which seemed bizarre, but if we are not talking about lifetime cover then that's explains my misunderstanding.
MightyMax
Banned
When I insured with them (a while ago) they weren't these 'lifetime policies" and did exclude a condition once you had claimed. That suited me at the time
That's why I said 'once they have paid out for them in a year' - They may have changed their policy status now?
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Bunny Buddy
Wise Old Thumper
When I insured with them (a while ago) they weren't these 'lifetime policies" and did exclude a condition once you had claimed. That suited me at the time
That's why I said 'once they have paid out for them in a year' - They may have changed their policy status now?
Yeah, I completely misunderstood the 'paid out for them in a year' to mean during the year of cover not by the end of the year of cover. I gambled with Artie on his first insurance policy and went with annual and that's when we got £1k back for kidney stones/surgery. I didn't need it the second year as one kidney was removed so there was nothing else they could do if it recurred anyway. That insurance is better than nothing but I would always go for lifetime now, especially with a younger animal.
MightyMax
Banned
BB - is the NCI insurance considerably better value than Helpucover and can you see any drawbacks having had a chat with them?
