Purrs In Our Hearts - Cat Forum UK
Cat General => General Cat Chat => Topic started by: swampmaxmum on April 27, 2009, 15:46:21 PM
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just got my latest claim notification back. Animal Friends took an excess of £49 per condition (2 conditions CRF and head trauma) plus their usual 35% excess. When I queried it, they said the £49, normally payable ONLY for new conditions, was because in late February my policy was renewed and it was taken annually to allow for the £5000 per condition per year to be carried over. They say it is in their T&Cs (very small print more like) and that if (the much maligned) E&L never took it each year, which they didn't (this they volunteered themselves so I reckon they've had lots of customer queries/complaints), then "that's up to them, nothing to do with us". She sounded like she was reading from a script. There's nothing I can do as am locked into AFI and they have, so far, paid up for the home treatment which is what Swampy has to have now.
Warning: read the small print on continuing conditions for unforeseen excesses.....do any other insurers do this? (not that I could move). I'm just shocked that it's an unexpected £100 loss :(
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More than take the excess every year for Mogs insurance. Then again they also put the premium by more than I claimed for the following year >:(
Again as Im tied in and now pay £21.99 a month Im not pleased but totally stuck
love
Tab
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I'm still paying just under £13 each until August to meet E&L's offer when AFI moved underwriter. Then I am fearing the worst in price hikes. It probably is standard practice and AFI have been ok so far. Just a shock when the bills are mounting up and no cheque to make me feel better as their settlement now goes straight to the vet (I'd run up a large running bill there so they gently suggested reimbursement to them!). I used to like getting the cheques, even if I then had to go and pay the vet with the money!
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Im sure that most polices charge an excess per condition each year that you claim for it
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i believe that axa will charge the excess when the policy renews each year too.
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That is standard, you pay the excess every year, I thought all insurance companies were like that.
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Yes Axa charge the excess per condition per annum
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Do Axa charge it if you have not claimed that year?
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Excess is only paid by you when making a claim and is the first £50 of the first claim in a year for a particular illness.
ie Franta was ill last year with kidney and eating related problems and bill was around £700, the first £50 was payable by me. This year he has had a neuro problem and the bill across two vets was about £500 but because it was different problem , first £50 was payable by me.
Yesterday Misa was at vets and bill paid by me so far is £55 and not worth making a claim but if he goes back for more treatment then claim will be made covering all treatment but again first £50 will be paid by me.
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With Axa, for ongoing conditions like Max's kidney and thyroid, its £50 excess per year, per condition, and from what I was told by the vet, that's very standard?
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Excess is only paid by you when making a claim and is the first £50 of the first claim in a year for a particular illness.
ie Franta was ill last year with kidney and eating related problems and bill was around £700, the first £50 was payable by me. This year he has had a neuro problem and the bill across two vets was about £500 but because it was different problem , first £50 was payable by me.
Yesterday Misa was at vets and bill paid by me so far is £55 and not worth making a claim but if he goes back for more treatment then claim will be made covering all treatment but again first £50 will be paid by me.
Thanks Gill, feel a bit thick now lol :evillaugh:
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thanks, so it seems standard that each continuing illness or condition has an annual fee then (payable off/deducted from the first claim settlement after the policy renewal date) to keep the cover going and top up the cover to £5000 pa per condition (or whatever your limit is). I just got a shock as pay 35% of every claim as excess as well. In the past E&L just took £49 per new condition and rolled over the continuing illness claims into the next year without any additional £49 charge. I'm still very glad that I have insurance even if the 35% can be hard going. I wish they paid for prescription food like k/d as that is a major expense.
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Yesterday Misa was at vets and bill paid by me so far is £55 and not worth making a claim but if he goes back for more treatment then claim will be made covering all treatment but again first £50 will be paid by me.
Hi Gill. Cost of vet visit for Billy's eye in January was about £57. I still made a Axa claim for the £7 above excess though in case it came back as so easy to go outside 6 month claim period without thinking. Yes I know that he's had the eye problem again but just can't face bringing him back as I was hoping it would go away by itself, keeps coming back unfortunately and may soon have to bite bullet again :scared: For those not "in the know", being picked up is not Billy's thang ;)
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thanks rosella ;D
my insrance doesnt run out until late october and if misa needs to go back it will be in next few days but am hoping not.