insurance small print T&Cs: Animal Friends

[Gill (sneakiefeline)]

thanks rosella 

my insrance doesnt run out until late october and if misa needs to go back it will be in next few days but am hoping not.

[Rosella moggy]

Yesterday Misa was at vets and bill paid by me so far is £55 and not worth making a claim but if he goes back for more treatment then claim will be made covering all treatment but again first £50 will be paid by me.

Hi Gill.  Cost of vet visit for Billy's eye in January was about £57.  I still made a Axa claim for the £7 above excess though in case it came back as so easy to go outside 6 month claim period without thinking.  Yes I know that he's had the eye problem again but just can't face bringing him back as I was hoping it would go away by itself, keeps coming back unfortunately and may soon have to bite bullet again    For those not "in the know", being picked up is not Billy's thang 

[swampmaxmum]

thanks, so it seems standard that each continuing illness or condition has an annual fee then (payable off/deducted from the first claim settlement after the policy renewal date) to keep the cover going and top up the cover to £5000 pa per condition (or whatever your limit is). I just got a shock as pay 35% of every claim as excess as well. In the past E&L just took £49 per new condition and rolled over the continuing illness claims into the next year without any additional £49 charge. I'm still very glad that I have insurance even if the 35% can be hard going. I wish they paid for prescription food like k/d as that is a major expense.

[Mojo]

Excess is only paid by you when making a claim and is the first £50 of the first claim in a year for a particular illness.

ie Franta was ill last year with kidney and  eating related problems and bill was around £700, the first £50 was payable by me. This year he has had a neuro problem and the bill across two vets was about £500 but because it was different problem , first £50 was payable by me.

Yesterday Misa was at vets and bill paid by me so far is £55 and not worth making a claim but if he goes back for more treatment then claim will be made covering all treatment but again first £50 will be paid by me.

Thanks Gill, feel a bit thick now lol 

[clarenmax]

With Axa, for ongoing conditions like Max's kidney and thyroid, its £50 excess per year, per condition, and from what I was told by the vet, that's very standard?

[Gill (sneakiefeline)]

Excess is only paid by you when making a claim and is the first £50 of the first claim in a year for a particular illness.

ie Franta was ill last year with kidney and  eating related problems and bill was around £700, the first £50 was payable by me. This year he has had a neuro problem and the bill across two vets was about £500 but because it was different problem , first £50 was payable by me.

Yesterday Misa was at vets and bill paid by me so far is £55 and not worth making a claim but if he goes back for more treatment then claim will be made covering all treatment but again first £50 will be paid by me.

[Mojo]

Do Axa charge it if you have not claimed that year?

[Rosella moggy]

Yes Axa charge the excess per condition per annum

[Desley (booktigger)]

That is standard, you pay the excess every year, I thought all insurance companies were like that.

[Gill (sneakiefeline)]

i believe that axa will charge the excess when the policy renews each year too.

[Millys Mum]

Im sure that most polices charge an excess per condition each year that you claim for it

[swampmaxmum]

I'm still paying just under £13 each until August to meet E&L's offer when AFI moved underwriter. Then I am fearing the worst in price hikes. It probably is standard practice and AFI have been ok so far. Just a shock when the bills are mounting up and no cheque to make me feel better as their settlement now goes straight to the vet (I'd run up a large running bill there so they gently suggested reimbursement to them!). I used to like getting the cheques, even if I then had to go and pay the vet with the money!

[tab]

More than take the excess every year for Mogs insurance. Then again they also put the premium by more than I claimed for the following year
Again as Im tied in and now pay £21.99 a month Im not pleased but totally stuck
love
Tab

[swampmaxmum]

just got my latest claim notification back. Animal Friends took an excess of £49 per condition (2 conditions CRF and head trauma) plus their usual 35% excess. When I queried it, they said the £49, normally payable ONLY for new conditions, was because in late February my policy was renewed and it was taken annually to allow for the £5000 per condition per year to be carried over. They say it is in their T&Cs (very small print more like) and that if (the much maligned) E&L never took it each year, which they didn't  (this they volunteered themselves so I reckon they've had lots of customer queries/complaints), then "that's up to them, nothing to do with us". She sounded like she was reading from a script. There's nothing I can do as am locked into AFI and they have, so far, paid up for the home treatment which is what Swampy has to have now.

Warning: read the small print on continuing conditions for unforeseen excesses.....do any other insurers do this? (not that I could move). I'm just shocked that it's an unexpected £100 loss