To scam pet insurance

Sounds like a really interesting job!! Thanks for replying 😄

Have nothing to add re insurance claims...but, one of mines is a puker and found that sourcing grain free food helped with this. Please keep your insurance up to date and annual check ups though as regular puking can cause Dental issues which can be costly. My insurance policy only covered Dental if regular checks and any recommended maintenance were conducted.

I would strongly advise against this. Its fraud. They might not find out. But if they do, there are all sorts of implications. You might not be able to buy reasonably priced insurance for anything again for the foreseeable future. In some cases they prosecute to make an example. And you've just left an electronic trail confirming you planned it rather than 'forgot'. You're not just defrauding the insurer - you're defrauding all the other customers who pay extra in their premiums to cover fraud detection and pay fraudulent claims

@PuddlesPityParty I’ve worked for a global insurer for over 10 years , various roles with progression each time - few years ago an internal role within the fraud team came up (lower scale ) took that then studied financial crime and fraud and progressed roles within the team to now an investigator - I love it ! Super interesting investigated small few thousand value to complex over 20 million losses

@RickyGervaislovesdogs I do and did 😂 not sure it’s it’s relevant to the job though :)

I’m a fraud manager but wouldn’t come on and gently add smiley faces when someone is worried about their pet- but you do you. 😊

But @serialcatbuyer glad to hear the kitten is ok, that’s the main thing.
Some vets will go down the most expensive route immediately, so beware. EG my dog had an ear infection, first vet wanted an MRI, I asked what for and he stuttered and said well, it could show nothing. Then it was anaesthetic and an ear flush (dog is elderly). Went elsewhere £70 steroids- sorted.

Trust what this vet has said. If there was an obstruction the kitten would be unwell, uncomfortable and not be eating. The other vet was being overzealous.

As an insurer, please do not do this.Firstly it is fraud and immoral. Secondly we do have ways of detecting the fraud and you will be high on our fraud indicator list, thirdly there is a clause in most policies preventing early claims.

You do not sound like a responsible pet owner. You also ask if it's ok to commit insurance fraud
Jeez

I'm sorry your kitten is sick. Hopefully he will just get better on his own.

However, if you are going to make a claim then I don't think you should kid yourself that it is an ok thing to do. You sound like you are trying to kid yourself by saying things like 'technically they should cover it' You know it's wrong so if you do it then just do it and accept what you are doing . You would have to lie on the claims form. They will ask if when you've seen a vet and they will ask about his symptoms.

@Kay286

But the fraud will be when you try and claim and they ask the date this was initially symptoms presented /diagnoses/ noted by a vet - which is the first vet … before you had coverage . Also it will be a huge red flag to the insurer a diagnosis/claim just after policy inception …. So additional validation will be required because we know people do this :)
I doubt any insurance co will find anything. It's a kitten. It must be pretty young therefore and it's completely reasonable to assume the current vet is the only vet this young animal has ever been seen by.

It's been 6 weeks with insurance since claiming.

Can’t agree more that £3k isn’t enough. I found out the hard way

Please get better insurance. £3k is nothing. My cat needed surgery for £8k. And get one that treats ongoing conditions with an annual spend and not just ‘X’ amount per condition.

I have just made a claim for my cat. One of the questions on the form asked if we had a previous vet before our current one. So if you said no you would be lying, and they may find out.

If they discover you are guilty of fraud it is not just a case of them refusing to pay your claim. Your insurance will be invalid and you will struggle to get insurance in future.

I had a Birman cat who had endless fur balls. She just used to vomit them up on regular basis ie at least weekly. There are furball dry food formulae which to my disappointment didn't make them exit the other end but in some way helped the fur ball to come back up. We missed her a lot when she died but when we got another cat we went for a short-haired Tonkinese. She's just had a lot of vet appointments for V and D too every couple of days and nothing worked till I wormed her. I am pretty angry about the blood tests, the injections and tablets which I think now was totally unnecessary. At least I didn't pay for scan.

Honestly, I wouldn't risk a fraud conviction for a cat. You say you've got bad credit, so don't compound your bad decisions.

From everything you've said, I really really doubt the first vomiting was related. If you were dealing with a gut obstruction your kitten would have no appetite and would likely have some other concerning symptoms. Sounds like he's just a sicky cat.

My 9 year old cat threw up a lot as a kitten and continued to regularly throw up during the summer months every year. I changed his food several times and wet foods like Felix made it a lot worse. He's on Applaws now and only throws up the occasional fur ball.

He has recently been diagnosed with seasonal allergies, not sure if that could have been related.

Your insurance might have a clause, that says you can't claim for the first 14 days.

Usually with a foreign body, they'll be throwing up after you've fed them and they won't be pooing.

We have a fast eater and used to be sick within minutes of eating, so we now spread her food right out on a 8” flat plate and it slows her down and is no longer sick, worth a try..

I’d worry more about being caught lying than about the kitten. Personally I’d just tell the truth. I’m sure the vet would do some kind of payment plan. You won’t be the first or last person to be in this situation.

We are picking up kittens from a rescue in 2 weeks. They will have 4 weeks insurance when we get them as part of the rehoming package. Maybe check where you got the kittens there wasn't something like that in place

3000 pounds for a kitten! Are you all bonkers? Almost nobody in my country has pet insurance. It is a scam! If you all stop using , your vet costs will miraculously drop. Holy heck! 3K for a kitten!!