Pet Insurance Help

[TimeForTea73]

I've had pet insurance in place for my fog for years but luckily I've never needed to use it.
Ive not had her booster injections done for about 2-3 years with one thing and another as she's been fine. Now she's developed a skin condition and I have to take her. I've asked the vet to give her her jab while were there but noticed in the terms of the insurance the won't cover
'Ant vaccinable illness or conditions if vaccinations are not kept up to date.'

This reads to me that as long as the dog isn't suffering from distemper etc..the illnesses you vaccinate against, they will pay..they just won't pay if they do get a disease you could have vacinnated against.

Also is anyone familiar with more thans referred vet list? What's that about?

Help would be appreciated. X

Reading that t&c it sounds like you should be ok but I tend to keep stuff up to date to avoid insurance wriggling out of paying.

I don't know about the list but I presume it refers to specialist vets that it covers if you had to be referred onwards (like when you use private medical care and they have a list of consultants they will pay for you to see and others they deem to expensive etc).

Also is anyone familiar with more thans referred vet list? What's that about?

The Preferred Referral Network is basically a list of specialists they're prepared to pay for your dog to see. If you want them to see a specialist who isn't on the list then you have to pay an extra £200 on top of your normal excess, unless it's a life threatening emergency.

More Than have a list on their site of vets who are part of the scheme. I'm not sure how it works in areas where there are no, or very few, specialists on the list.

It depends who you are insured with, some might use not having vaccinations as a reason to wriggle out of paying for any condition. So be careful.

With regards to the referral list, what cornflake said. However the veterinary profession is up in arms about this because it affects people's choice. In our area, the referral clinic isn't on the list but will cover the £200 for you. So if you are going to be referred, check with your vet about this. (I am practice manager of a vets so that's how I know)

Thanks for the info.

I could absolutely kick myself as I just sound like one of those owners that don't care. Hopefully it isn't anything serious (she has itchy paws) as she's an old girl now (15) but hopefully all will be well.

Thanks so much for your replies.

I recently emailed my insurance company to clarify the vaccines question as the T&Cs categorically state that if vaccines are not up to date the insurance is invalid. The reply I got completely contradicted themselves and said that it's up to the pet owner if they vaccinate or not but they will not cover conditions that could have been prevented with vaccine.
At least I have it in writing.

If she's 15 chances are they will have some ridiculous age-related discount that they give themselves. My dog is 9 and our insurance company knocked 35% off the amount they repaid us after he had problems with his liver. Premiums have also doubled!