Anyone insured with ManyPets, please could you engage with me? I want to open up a discussion forum concerning a pitfall I was unaware of the ramifications of when I took out my policy. My question is I have adhered to the dental check so as to satisfy ManyPets terms and conditions, but I have been told the company offer no pre authorisation facility, even when such treatment as in my animal’s case, is not life threatening or immediately essential in terms of my cat’s wellbeing.
I felt I had to insure with ManyPets due to one cat having query pre existing condition. At this point, tests have neither confirmed nor ruled out my cat was possibly suffering from a food related allergy. My other cat is insured with PetPlan, and I will be able to submit to PetPlan a pre authorisation claim because my vet has seen evidence of gingivitis.
Regarding my claim to have dental work completed (ManyPets), the vet advised a scale and polish due to him suspecting gingivitis. This treatment is by no means for purely cosmetic reasons.
Failure to offer a pre authorisation facility I feel holds me over a barrel. Their process asks people to submit their animal for treatment with a start and end date needing to be completed. They are expecting people to blindly go ahead paying for a £700+ invoice, without a client knowing whether this amount will be covered.
Ordinarily, as with anything in life, if I knew I would be footing the bill, I would be shopping around for the most competitive quote for a like for like service. ManyPets business model is unlike car insurance or private healthcare, whereby pre authorisation has to be granted before a person commits to treatment or a service. How on earth can this be viewed as ethical when the insurer is blatantly in my view demonstrating a lack of integrity and transparency?
What have other clients of ManyPets done about this?