petplan Insurance question

[myusernameisusername]

Had to get DDs ear treated without insurance so it cost me and DH £52 she now has insurance with petplan that kicks in the end of the month we have saved the receipt from the vets so can we claim back the £52 on the insurance ?

Don't apologise, we all make mistakes.

In general: All policies have an excess, so the first c.£90 of any treatment in any year will be payable by you. So if your dog has allergies, you pay the first £90 of treatment in year one, everything else covered, until year 2, when you pay another £90, etc.

Routine health care isn't covered. Only illness and accident. Illnesses that should have been prevented aren't covered (e.g. parvovirus if your dog isn't vaccinated) and not keeping up with jabs,etc., can invalidate your insurance.

Check your policy to see if you have chosen a limited policy or a lifetime policy. If it's a limited policy, then you'll get exclusions in the years following a condition. That's why they're cheaper.

Yes I'm a troll of course i am i post things you dont agree with and stand up to your irritating rudeness and that makes me a troll love mumsnet for people like this to demonstrate their lack of ..... anything

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Thanks MN

But did you not read your policy or look into what expenses you might incur if you got a dog? Sorry if you think people are harsh - but dogs are expensive! And what vets charge is by no means over the top. They aren't millionaires. They work very very hard and have studied and trained for many years to do what they do.

I think charities such as Blue Cross will either spay free of charge or at a reduced price if you genuinely can't afford healthcare for your dog. The monthly plan another poster mentioned might also help spread the load.

By the time you add up the cost of worming, flea treatments, innoculations, insurance and the odd minor injury below your excess level - plus food, training classes, leads, toys etc - dogs cost a lot!! But then, pets are a luxury not a necessity in my view.

People are a little terse with you here because you appear not to have done any research or reading into the financial side of things - or the basics of any insurance (pet, home, travel etc) but seem to be blaming this on vets. Which is really quite bizarre.

I think the fact she has taken out insurance shows she is taking responsibility for her pet. She also took it to the vet when it needed care - also the act of a responsible owner.

She made some wrong assumptions about her insurance - that is not the crime of the century.

She only took it out after a visit to the vet,hoping to get the cost of the treatment back from before her policy started!

Summerwood1 will you please stop the insults. Not everyone comes to dog ownership fully informed, many, many people learn as they go. Of course it's ideal to do plenty of research before you commit yourself, but none of us are perfect. Being aggressive and insulting to people that come here for advice is totally counterproductive. How can people that are new to dogs learn if the people they ask for help just insult them. It's totally unnecessary for you to aim personal insults at the OP.

What an odd post. Don't really believe a word of it. Agree with you SUMERWOOd. Think it may of been genuine to start with but then OP goes on to say 'at least I'm covered for being spayed,boosters and dental'. Come on,OP is having a laugh. At least it made me and hubby laugh!!!!!!!

Thanks for all the helpful posts yes i am a new dog owner (rather unexpectedly too) as we re homed her at last minute for a friend she is loved care for and well provided for i like to think i am a responsible owner by taking out the insurance even if not totally clued up on what its for im starting a savings account at £10 per week for any more vets visits she needs and to cover the cost of her boosts and spaying

Best of luck with the dog. Steep learning curve I guess. Hope you haven't been put off the Doghouse - there is some good advice to be had here.

OP, if you are on means tested benefits you might be able to get a Dogs Trust voucher to help with the cost of spaying your dog. Ask your vet about this. I don't think their fees sound tremendously over the top by the way. Bear in mind that the cost of vet goods and services includes VAT at 20%, so of the £45 consultation fee, £37.50 goes to paying the staff salaries, overheads etc and the rest straight to the tax man. £7 is cheap for medicated ear drops, they must not be putting much markup on their medications. Legally, vets much use an animal licensed product if there is a suitable one available, and the animal licensed ones are more expensive than human ones as they are produced in smaller quantities. Of course you may be able to get the medications cheaper via an online pharmacy, as they are dealing in such large quantities that they can sell a lot of meds to the client cheaper that vets can actually buy them in from their wholesaler, but remember that you need a written prescription for this and vets are legally allowed to charge for writing a script, and most do.

Nope, we are definitely not perfect. Although the op was quick to jump down my throat on my thread, already displaying her lack of experience with dog ownership. She would do well to remember that we all make mistakes and we are all grateful for friendly advice when we do.

i don't leave my dog unsupervised with children while i lie in bed already more experienced and my dog is fully house trained

Um, this is not my first dog but you carry on.

Nor mine my parents kept them when i was a child although it's my first time dealing with the insurance side of things... let me guess your kids balance the cheque book and sort out insurance before fetching you a cup of tea ?

Uh huh like i just said below ive owned dogs before just never had to deal with the insurance side of things and i think your getting abit unreasonable just because me and others have pointed out its not ok to let your dog shit all over its bed and pee on the floors while your daughter over feeds it and tries to make you a cup of tea with a boiling kettle whilst you have an "accidental" lie in oblivious ignoring! all this chaos going on downstairs.

Yes i took my dog to the vet as soon as she got an ear hermatoma and paid out of my own pocket without dithering or avoiding taking her like a responsible pet owner if me going without luxuries or essentials for a month or two while she gets better makes me irresponsible then i must be ill just leave her be next time and hope she gets better not

and also like i pointed out on your thread my dog is fully trained house trained and adorned by everyone in this household which is more than can be said for poor little monty who has to soil his own bed before you wake up and tend to him.

It's against MN rules to have threads about another thread. Keep your argument to the original thread.

We all do things rashly sometimes. I nearly asked to take another dog with me yesterday when I picked up Trigger. It would have been OK in the end, but much harder work than it needed to be.

We also all do things like oversleeping, forgetting to set an alarm, forgetting to close a door, etc. It's life!