Purrs In Our Hearts - Cat Forum UK
Cat General => General Cat Chat => Topic started by: Canterbury_cats (Sharon) on July 22, 2010, 11:00:14 AM
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I picked up this leaflet in the vets yesterday. Petmedicover.. which is an insurance company that only deals with insurance for vet bills and no others policy additions.. The policy goes up to 10.000 which is a lot!! Set charges with no difference on the breed of cat or dog or where you live.. For cats is 14.15 up to 5 and over 16.17..
I have never heard of this company before.. any one has dealings at all or know about them.
http://www.vetmedicover.co.uk/default.htm
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Never come across them myself :scared:
I just had a look at it doesn't appear too bad :scared: It just seems rather expensive - £80 excess and a cat under 5 years is £14.15/month which is double what I'm paying for Memphis. Also for the pooch it came out as £18.19 so it's something like a £100 extra a year. For that extra you get extra to spend per year .. £10,000 compared to £7,000 but none of the extras. I guess it depends how you look at it but I still feel somewhere like AXA is better value for money overall.
Also something I'm unsure about (and don't have the AXA policy to compare) in the policy summary it says the Vet is the one that has to claim and has to phone them before any treatment is carried out. Not something I'd be happy with in an out of hours emergency which could be the difference between life and death :scared:
Some vets just don't like dealing with insurance companies so not sure what would happen if they are the type of vets where you have to pay up front then claim back on the insurance :scared: Since the policy summary says it's the vet that claims.
"Claims
a) You must ensure that your vet contacts the claims administrator, prior
to any treatment being carried out, on 01444 41 99 72.
b) Your vet must obtain a claims authorisation number or the claim may
be refused.
c) You must complete a claim form; your vet will complete the treatment
section for you.
d) Your vet must send the claims form to Jubilee Service Solutions
Limited, 21 Perrymount Road, Haywards Heath, West Sussex, RH16
3TP, with the relevant invoices setting out the costs involved.
e) Your vet must include the claims authorisation number on all
correspondence.
f) The claim form must be submitted within 31 days of your pet receiving
treatment.
g) Your vet must send the claim to the claims administrator at the end of
the policy year, even if treatment has not finished"
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Good point thanks Den!!
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That sounds terrible! Apart from the fact that no-one wants to have to hang around waiting for an insurance company to ok treatment, how many vets are going to be happy to spend time doing that before treating a pet? I think most would refuse outright and then you wouuldn't be able to claim - nice little earner for vetmedicover! It might work for specialist referrals where you have an appt with a specialist and discuss treatment, but I can't see that working for normal routine or emergency treatment.
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M&S has a similar clause in theirs since they switched underwriters ... for out of ours you have to contact their service or your vet has to confirm that it couldn't have waited until normal surgery hours otherwise they won't pay out. Also, you have to contact them before transferring to a specialist if it will cost over £1,000 to agree on costs.
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They also dont insure cats over the age of 10, I tried to do a quote for Buster at lunch
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They don't take new policies for cats over the age of 8, which is silly. So where I said it's not too bad .. It isn't if you fit their tight requirements. Still think it's too expensive for what it is.
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The age when I did a dummy claim went up to 10 Den.