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What do 'boarding fees' and 'complimentary treatment' mean? RE insurance (clueless!)

10 replies

FiveSugarsPlease · 06/06/2013 10:48

Hi there.

I'm really keen on the Cover4Pets insurance for my two kittens. I am registered with a Vets4Pets practice and really like it there.

I have just been given an online quote for the Cover4Life deal (which is what I want). It costs £10.61 a month for one cat. This includes:

Vet fees - up to £4000 per year (£70 excess)

Complimentary treatment - up to £750 a year (£65 excess)

Boarding fees - £250 per year

Advertising/reward - £250 per year

Emergency repatriation - up to £500 per year (£50) excess

Quarantine Expenses & Loss Of Documents - up to £1500 a year (£50 excess)

Would anyone be kind enough to explain what each of these policies mean?

By boarding fees, do they mean they'll pay for them to stay at a cattery while i'm off on a trip or something?

Complimentary treatment - no idea what this is.

What will be included in vets fees?

What are the last two things all about?

How do I know if dental is included?

Also, is there any way of getting a quote for both kittens/discount for multiple pets? So far, I keep having to enter their details individually.

OP posts:
Lonecatwithkitten · 06/06/2013 13:26

Okay you've made no mentioned of the excess (there is almost always one) the bit you have to pay before the company pays out. This size of this can be very variable and will determine how often you would be able to claim.
Vet fees would cover fees for conditions that start after you took out the policy you need to investigate whether this is £4,000 per condition for the life of the cat or £4,000 per condition per year huge difference particularly if your cat gets diabetes or something similar.
Complimentary treatment usually includes hydrotherapy, physiotherapy and acupuncture to name a few.
Boarding fees are not just when you go on holiday, but can be if you are suddenly taken ill or your house burns down, but the terms and conditions of the policy will give you details of this.
Have you enquired of your practice in what instances and from which companies they take direct claims (as opposed to you paying up front then claiming back the money) as this could influence who you go with.

tabulahrasa · 06/06/2013 14:50

Complimentary treatment is for things like hydrotherapy or, um...people don't do hydrotherapy for cats surely? lol

Anyway, things like that, that aren't strictly speaking medical treatment, but are to help a condition or illness.

Dental treatment won't be included, at least I've never seen a company that cover it.

Lonecatwithkitten · 06/06/2013 16:56

Er yes hydrotherapy for cats who need it for certain orthopaedic conditions.

tabulahrasa · 06/06/2013 17:14

I know what it's for...I just can't imagine my cats going for it was all, rofl

I was mid typing and suddenly imagined a very wet, very angry cat Grin I suppose not all cats hate water though and I know with dogs they approach it carefully with dogs who aren't keen to acclimatise them.

It's just that one of mine actually runs out of the room when you turn a tap on, just in case and is even a bit suspicious of water for drinking, lol.

moggle · 06/06/2013 17:27

This cat loves his hydrotherapy :-D

It's saved in my favourites... rare I have an opportunity to share it though :-D
tabulahrasa · 06/06/2013 17:29

Aw, bless...

cozietoesie · 06/06/2013 17:36

Do they mean complementary treatment?

tabulahrasa · 06/06/2013 17:38

Shock I copied that spelling mistake and everything...

um, I mean, no, it's um,'s where you take your cat somewhere and everyone tells you how pretty it is.

cozietoesie · 06/06/2013 18:01


You have to forgive me. I've spent years checking text.

FiveSugarsPlease · 07/06/2013 12:35

Thanks so much for the explanation, everyone.

Not sure i'll even go with these guys now, there's so many to choose from!

Vets4Pets offer a healthplan, so think I might do that, and then elsewhere for insurance if I can find better.

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