Random stupid dog insurance question

[Magicalbeaver]

Say if your excess is £100. And your dog needs medication at £12 a month. Would you then have to wait a year and give a receipt of the yearly amount £144 to the insurance? They wouldn't pay a bit of it each month would they?

Sorry if that makes NO sense. Trying to get my head around the huge headache of insurance.

You can put a claim in whenever but usually you wait until it's gone over the excess, it won't just be £12 though as there will at least be one consultation at about £40 and depends on the problem probably blood tests or something so it will go over the excess quite quickly

I can’t think what medication would be just £12 a month but by the time you’ve had the consult to prescribe the medication plus any diagnostics etc then you would be over £100. Anything else you can claim. The meds would usually be dispensed a few months at a time and so each time you’d but a follow on claim in.

Interesting question OP. The terms of illness benefits usually have a limit per condition/incident. Did you have any tests to determine that they need that medication? If they do in fact have a condition it needs to be disclosed anyway.
There are some (a lot) of things that aren't covered by pet insurance. Stating the obvs but I'd phone them.