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The Pet Insurance Thread *See Mod note Post #1*

  • 10-01-2013 1:02pm
    #1
    Registered Users, Registered Users 2 Posts: 742 ✭✭✭


    Mod Note:
    Hi all,
    I am merging the recent pet insurance threads together into one, because they're appearing almost daily at this stage.
    I'd appreciate if anyone has a query about pet insurance, that they keep it to this thread.
    Any other threads appearing which relate to pet insurance will be merged with this one in any case.
    Thanks,
    DBB



    Hi everybody,
    I know that there are a lot of topics, but my question is "specific" and easy :P

    The insurance cover serious problems?

    I mean, yesterday I went to the vet because the puppy was not eating, he found the dog fine and just gave injection and specific food and I should go back if he doesn't recover.

    That's an example..
    In that case could I have the money back from the insurance?

    Or only for surgery and major problems?

    (I suppose no for the annual vaccinations?)

    thanks!


«1

Comments

  • Moderators, Category Moderators, Arts Moderators, Business & Finance Moderators, Entertainment Moderators, Society & Culture Moderators Posts: 18,375 CMod ✭✭✭✭Nody


    Depends on the insurance and the excess but in general the insurance would be for more serious/expensive stuff while the "day to day" is covered by you.


  • Registered Users, Registered Users 2 Posts: 8,000 ✭✭✭andreac


    The policy covers nearly everything apart from routine stuff like Vaccinations & worming. It also doesnt cover anything to do with breeding.

    So if your cost was over the excess, then yes, definitely claim back what you can. But sometimes for visits like your one, the excess is more than what the visit cost you so you wouldnt be due anything back.

    So, for example, if your visit yest cost 130euro and your excess is 100, you are entitled to 30 euro back.


  • Closed Accounts Posts: 15 Tiana000


    I have two cats, one is a male aged 5 and the other is older, a female aged 12. They are domestic non pedigree house cats. Any reccommendations for insurance that is worthwhile? And would you reccommend insuring a cat who is 12 or will it just cost too much?


  • Registered Users, Registered Users 2 Posts: 742 ✭✭✭jsabina


    But there are no insurances for "damages"?
    I mean in italy we insure dogs not for the health care (even if it's expensive, sigh), but if they could one day create problems (example biting someone or so on). Especially for big dogs..


  • Registered Users, Registered Users 2 Posts: 8,000 ✭✭✭andreac


    Eilsy wrote: »
    I have two cats, one is a male aged 5 and the other is older, a female aged 12. They are domestic non pedigree house cats. Any reccommendations for insurance that is worthwhile? And would you reccommend insuring a cat who is 12 or will it just cost too much?

    I dont think a company will insure the cat as its too old and over the age bracket that they inbsure from.


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  • Registered Users, Registered Users 2 Posts: 8,000 ✭✭✭andreac


    jsabina wrote: »
    But there are no insurances for "damages"?
    I mean in italy we insure dogs not for the health care (even if it's expensive, sigh), but if they could one day create problems (example biting someone or so on). Especially for big dogs..

    There is cover for third party on most policies. Have a look online at the terms and it will tell you whats covered.

    See link below on their policy:
    http://petinsure.ie/index.php/plans


  • Registered Users, Registered Users 2 Posts: 742 ✭✭✭jsabina


    andreac wrote: »
    There is cover for third party on most policies. Have a look online at the terms and it will tell you whats covered.

    See link below on their policy:
    http://petinsure.ie/index.php/plans

    Ah ok is the 3d party thing?
    I was only seeing health expenses / holidays...

    thanks!!!


  • Registered Users, Registered Users 2 Posts: 8,000 ✭✭✭andreac


    Yep, thats it :-)


  • Closed Accounts Posts: 15 Tiana000


    Thanks Andreac, that's what Allianz said alright, that the 12 year old too old. I'll probably insure the 5 year old. Still unsure if its worth it as teeth cleaning and vaccinations and any more infections due to being neutured (pre-existing) will be paid for by me. Think I'll ask for vouchers for my vets for my next birthday :D!


  • Registered Users, Registered Users 2 Posts: 5,324 ✭✭✭JustAThought


    jsabina wrote: »
    But there are no insurances for "damages"?
    I mean in italy we insure dogs not for the health care (even if it's expensive, sigh), but if they could one day create problems (example biting someone or so on). Especially for big dogs..


    Mind - there are now different levels of policies available with different insurers ; Allianz - who I am with - now have at least three different policy types with different levels of coverage where different aspects are included or left out.


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  • Registered Users, Registered Users 2 Posts: 3,332 ✭✭✭tatli_lokma


    Eilsy wrote: »
    Still unsure if its worth it as teeth cleaning and vaccinations and any more infections due to being neutured (pre-existing) will be paid for by me.

    But even a simple night in the vets can cost a packet. My cat had 2 nights in the vets for a drip, bloods, scans and monitoring. Came to around €350. My excess is €75. It will be my first claim with Tesco insurance so I am hoping there won't be any issues.

    To be honest, you are looking at the logic of it all wrong. You insure your car right? and it doesn't cover you for costs of servicing the car, replacing tires or other consumables, or washing it. So I see teeth cleaning, vaccinations and day-to-day animal minding as the same thing. The insurance is for the 'emergncy' or 'unexpected' items. These things can cost hundreds and even thousands. And it is an awful situation to be in when you literally cannot afford to give a much loved pet the operation/treatment that might just save its life.

    Personally, for the sake of €75 per year I am more than happy to pay for insurance. Particularly as pets get older. In our family we have had pets needing knee replacements (x2), eyes removed (x3), hysterectomies (x1), operation following an accident (x1), cancer medications (x1) (not all the one pet mind! this is over a space of 20 years and 5 dogs, 2 cats, 1 rabbit). None of which were cheap. PEt insurance was a new thing 20 years ago and we weren't covered for all of the above procedures. Since having to pay €800 for a knee replacement and follow up treatment, we have since insured ALL our pets from the day we got them.


  • Registered Users, Registered Users 2 Posts: 1,773 ✭✭✭Synyster Shadow


    Why are Dobermans on the list of non insure dogs over here there purely bred as show dogs and I'v not heard of a Doberman attack here yet or does anyone know of a case? I think the dog should be entitled to be assessed by a behaviorist before been insured and not just run off a list of breeds every dog is different


  • Registered Users, Registered Users 2 Posts: 7,516 ✭✭✭Outkast_IRE


    Why are Dobermans on the list of non insure dogs over here there purely bred as show dogs and I'v not heard of a Doberman attack here yet or does anyone know of a case? I think the dog should be entitled to be assessed by a behaviorist before been insured and not just run off a list of breeds every dog is different
    Maybe they are non insure due to high chance of serious hereditry problems ?? Im not sure the reason why , this is a guess.


  • Registered Users, Registered Users 2 Posts: 1,773 ✭✭✭Synyster Shadow


    I had a black and tan Doberman and he was really sensitive to everything and was in the vets alot but Nash is the opposite and you have to declare that the dog has no none health problems before the policy starts, Tesco keeps coming up as there on the none insure breeds along with pit bulls and so on. Its frustrating really its like saying you live here so your more trouble than people in this area should be each to there own really. Gonna keep lookin online and see what else I find


  • Registered Users, Registered Users 2 Posts: 8,000 ✭✭✭andreac


    Are you saying they wont cover Dobermanns?? I have rottweilers and they insure mine, thats with petinsure.ie.


  • Registered Users, Registered Users 2 Posts: 1,773 ✭✭✭Synyster Shadow


    andreac wrote: »
    Are you saying they wont cover Dobermanns?? I have rottweilers and they insure mine, thats with petinsure.ie.

    Well Tesco wont found two places since that will rotties didnt show up on the list for none insure breeds. But was shocked to see Rhodesian Ridgebacks on there as there new enough here in Ireland cant believe there on the list already seeing as Malanois aint


  • Registered Users, Registered Users 2 Posts: 8,000 ✭✭✭andreac


    Rhodesians are on the restricted breeds list in Ireland so prob why they are listed with the insurance companies.


  • Registered Users, Registered Users 2 Posts: 1,773 ✭✭✭Synyster Shadow


    I'd personally be more afraid of Malanois after seeing what my fella could do there indestructible and TOO clever


  • Registered Users, Registered Users 2 Posts: 7,516 ✭✭✭Outkast_IRE


    I'd personally be more afraid of Malanois after seeing what my fella could do there indestructible and TOO clever
    Always liked that breed, just out of interest would they make a good running partner in your opinion ?

    I currently run with my collie but shes getting older and needs to take it easy in the summer due to her thick black coat.


  • Registered Users, Registered Users 2 Posts: 1,773 ✭✭✭Synyster Shadow


    Always liked that breed, just out of interest would they make a good running partner in your opinion ?

    I currently run with my collie but shes getting older and needs to take it easy in the summer due to her thick black coat.

    I can safely say they dont tire at all they never switch off so as well as been a running partner for you they also watch everything thats going on and will let you know if they dont like something so there'e safety in them too. I had a tea light go up in flames didnt notice as it was in the window in the oil burner and he coped it straight away and went over to it barking. I recommend for owners that are active as these are too and they love having a job (running would be suitable and looking after your safety) Plus you can get them trained to any requirement you like in terms of protection and so on you dont have to have the most intense training done but do give them something to do.


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  • Closed Accounts Posts: 15 Tiana000


    Thanks Little Ted,

    75 sounds like a great price, it would be around 150 that I've been quoted. I know that veterinary care can cost a lot - had a cat who passed away last year and we went to the ends of the earth and spent hundreds to get her diagnosed, kept on overnight stays and treated -(and a dog before her who required emergency surgery). I suppose I was reluctant about insurance incase they dont pay out for these emergencies or conditions that develop suddenly or after applying for insurance. Would you reccommend Tesco pet insurance?


  • Registered Users, Registered Users 2 Posts: 3,332 ✭✭✭tatli_lokma


    Well I have only just put in a claim this week, so my answer will depend on the outcome! It's underwritten by RSA so it should be ok. I'll let you know once I have had the claim completed (and hopefully paid out!). My insurance actually only cost €57 actually - I just realised when I was completing the claim, I thought it was more.


  • Registered Users, Registered Users 2 Posts: 3,324 ✭✭✭BillyMitchel


    My dog was pretty hard to get insured here but eventually petinsure done it for a pretty good price.

    Now when it comes to claiming, the first €90 is my own and anything after is covered. Also theft is covered, accidental death. Kennelling and shots and all the normal stuff is not covered. He is not insured for 3 party claims though.

    For €14 euro a month, I still think it's a pretty good deal. I've found out the hard way of not having a dog insured and the vet bills that can run up. :(


  • Registered Users, Registered Users 2 Posts: 3,332 ✭✭✭tatli_lokma


    Little Ted wrote: »
    Well I have only just put in a claim this week, so my answer will depend on the outcome! It's underwritten by RSA so it should be ok. I'll let you know once I have had the claim completed (and hopefully paid out!). My insurance actually only cost €57 actually - I just realised when I was completing the claim, I thought it was more.


    Just an update as promised. My claim with Tesco insurance (who are underwritten by RSA) was sent off my my vet on the 16th Jan. I recevied my cheque last Friday 24th Jan. No quibbles. Excess was €45, so I received the other €305 back from RSA. Very pleased with that...and relieved the first month in the year! Hooray! :D


  • Closed Accounts Posts: 8,635 ✭✭✭Pumpkinseeds


    Both of our cats are insured with Allianz and I'd never be without pet insurance again. We were adopted a few years ago by a stray cat that arrived in our garden with a polyp in his ear. It cost a small fortune to get him sorted and after that we had him insured. It was a pre-existing condition so he isn't covered for that but he's had a few other things happen since then and its great peace of mind knowing that he's covered.

    My big worry was always things like if either of my 2 developed chronic illnesses or needed expensive treatment. Its good to know that we're covered.


  • Closed Accounts Posts: 15 Tiana000


    thanks guys. In the end I went with Allianz, just sent off the clinical history so waiting to hear back from Allianz again. Good to have all the price comparing and investigating over with :)!


  • Registered Users, Registered Users 2 Posts: 1,813 ✭✭✭peteb2


    I know this is done before but specifically I want to make a decision in relation to the above.

    I have my dog insured on a Petinsure Premier Plus policy - went for it because of the lifetime cover but its €159 versus a similar plan with Tesco (not the value product) for €142.

    Would you move to Tesco? I have no problem with the insurer, its RSA in Galway so all claims dealt with here.

    My dog is just over a year old. Has the occassional dicky tummy. Do i really even need the life time cover? What could come along that would take over a year to clear or use the max benefit? She's a mongrel (lab crossed with springer/setter and god knows what else).


  • Registered Users, Registered Users 2 Posts: 75 ✭✭caitrionaanne


    I have my lab insured witg Tesco. Seems to be a good policy but i havent had to use it so far (touch wood!). I read through all the T&C and seems to be grand! The only problem I had with Tesco is that when I went to sign up online for a discount, the expiry dates on the drop down menu for credit cards didnt go as far as 2017 (as my card is) so had to call to do it and wouldnt give me the discount. Thought that was a bit rich......


  • Registered Users, Registered Users 2 Posts: 8,000 ✭✭✭andreac


    Just remember and i say this to everyone who is enquiring about insurance, that if you change companies, you will NOT be covered for anything the dog has already suffered with before, with the new company as its seen as a pre-exisiting condition.

    So if you dog regularly has stomach problems, this will not be covered on your new policy with a different company.


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  • Registered Users, Registered Users 2 Posts: 1,813 ✭✭✭peteb2


    The dog hasn't hasnt had anything diagnosed. She's just overly sensitive to eating different things than normal. That's what the vet said last time we asked. Havent had anything reported to insurers.


  • Registered Users, Registered Users 2 Posts: 8,000 ✭✭✭andreac


    peteb2 wrote: »
    The dog hasn't hasnt had anything diagnosed. She's just overly sensitive to eating different things than normal. That's what the vet said last time we asked. Havent had anything reported to insurers.
    They ask to see records from your vet so if there is anything there on her vet records it will count.


  • Registered Users, Registered Users 2 Posts: 1,813 ✭✭✭peteb2


    That they gave her anti-biotics for a stomach upset? I'm pretty sure there isnt anything there.


  • Registered Users, Registered Users 2 Posts: 8,000 ✭✭✭andreac


    peteb2 wrote: »
    That they gave her anti-biotics for a stomach upset? I'm pretty sure there isnt anything there.

    If she was given antibiotics then that would be on her record and that would count as a pre-existing condition, trust me, ive been through all this before with insurance companies.
    Anything medical on her records will be there, and they will view that as a pre-existing condition, even if it was just the once.


  • Registered Users, Registered Users 2 Posts: 173 ✭✭acermaple


    Little Ted wrote: »
    Well I have only just put in a claim this week, so my answer will depend on the outcome! It's underwritten by RSA so it should be ok. I'll let you know once I have had the claim completed (and hopefully paid out!). My insurance actually only cost €57 actually - I just realised when I was completing the claim, I thought it was more.

    Hi LittleTed, Just wondering how you got such a good quote, I just put in my details in with Tesco and I'm getting a 'value' quote of €161.79 and a 'standard' one of €233.92, which seems a long way from yours. My pup is 5 months old vaccinated, micro'd and just neutered, no history of anything nasty.


  • Closed Accounts Posts: 8,635 ✭✭✭Pumpkinseeds


    Yeah any little thing like antibiotics given for an upset tummy will count. We got our policy renewal forms from Allianz today. We've been with them for a few years and so far we're happy with our cover for both of our cats. 1 of our cats was treated for an abcess on one of his back paws and had an antibiotic injection for an upset tummy at the same time, 3 years ago. That was before we had him insured and they won't cover anything that involves gastric problems or problems with that back paw.

    It's mainly more serious things that might arise that I would have been worried about though. Our policy is 309 a year now though, but we did make a few claims with one of our chaps over the years.


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  • Registered Users, Registered Users 2 Posts: 202 ✭✭foreversky


    Have my lad insured with pet insurance.ie since he was bout 2 and a half mths old setter/lab cross.cost .€160 life time cover.hes .7 mths now.excess is €95. Had him in vet during week cost me e44 no point in claiming.


  • Registered Users, Registered Users 2 Posts: 3,332 ✭✭✭tatli_lokma


    acermaple wrote: »
    Hi LittleTed, Just wondering how you got such a good quote, I just put in my details in with Tesco and I'm getting a 'value' quote of €161.79 and a 'standard' one of €233.92, which seems a long way from yours. My pup is 5 months old vaccinated, micro'd and just neutered, no history of anything nasty.


    my price was for a cat. And I also have other Tesco products so when I include my credit card discount and clubcard number I got an extra 10% discount.


  • Registered Users, Registered Users 2 Posts: 173 ✭✭acermaple


    Thanks Ted, I thought that might be the case after I posted:o. I'm looking at Pet Insure atm, they seem to be fairly competitive and have a reasonable excess.


  • Registered Users, Registered Users 2 Posts: 8,000 ✭✭✭andreac


    acermaple wrote: »
    On second thoughts having read this thread http://http://www.boards.ie/vbulletin/showthread.php?t=2056867234 I will NOT be considering petinsure.ie any further.:mad:

    To be honest, i have never had a problem with them. I made a huge claim last year for nearly 2000 euro for a cruciate ligament operation with UCD and it was all done directly with them, i didnt even have to pay upfront and claim back.


  • Registered Users, Registered Users 2 Posts: 583 ✭✭✭brrabus


    acermaple wrote: »
    On second thoughts having read this thread http://http://www.boards.ie/vbulletin/showthread.php?t=2056867234 I will NOT be considering petinsure.ie any further.:mad:

    Edit, not sure link is working but you can see what I mean on the 'A sad day' thread.

    I followed that thread also and it is very sad. Out of curiosity, I decided to look at the terms and conditions of this particular insurance company. Whilst they do define "Territorial Limits" as being the Republic of Ireland in their definitions, Territorial Limits are only referred as an exclusions under the Third Party Section, it is not refereed to as an exclusion under Vet Fees.


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  • Moderators, Recreation & Hobbies Moderators Posts: 9,790 Mod ✭✭✭✭DBB


    brrabus wrote: »
    I followed that thread also and it is very sad. Out of curiosity, I decided to look at the terms and conditions of this particular insurance company. Whilst they do define "Territorial Limits" as being the Republic of Ireland in their definitions, Territorial Limits are only referred as an exclusions under the Third Party Section, it is not refereed to as an exclusion under Vet Fees.

    The territorial boundaries are not the only obstacle thrown at Blahblah by this company though: at the end of the day, she has said she'd get the money from somewhere if she had to, to get the op done.
    The company are now claiming that as Blahblah listed her dog as being "pedigree", that they want the pedigree cert to prove it. Now, the vast majority of people who have purebred dogs would consider them to be "pedigree". However, if the dog does not have the documentation to prove it, it looks to me like this company can use this as a way to wriggle out of paying death benefits.
    So, I believe that most owners, when it comes to ticking the boxes on their form, would tick "pedigree" for their purebred dog, even if they do not actually have pedigree certs for them. But if you don't have the document to prove the literal meaning of "pedigree", you're effectively not insured at all.


  • Registered Users, Registered Users 2 Posts: 583 ✭✭✭brrabus


    DBB wrote: »
    The territorial boundaries are not the only obstacle thrown at Blahblah by this company though: at the end of the day, she has said she'd get the money from somewhere if she had to, to get the op done.
    The company are now claiming that as Blahblah listed her dog as being "pedigree", that they want the pedigree cert to prove it. Now, the vast majority of people who have purebred dogs would consider them to be "pedigree". However, if the dog does not have the documentation to prove it, it looks to me like this company can use this as a way to wriggle out of paying death benefits.
    So, I believe that most owners, when it comes to ticking the boxes on their form, would tick "pedigree" for their purebred dog, even if they do not actually have pedigree certs for them. But if you don't have the document to prove the literal meaning of "pedigree", you're effectively not insured at all.

    I thought the pedigree issue was only an issue for payment on death, the T & C refer to a value of 50% if pedigree certs are not provided.


  • Moderators, Recreation & Hobbies Moderators Posts: 9,790 Mod ✭✭✭✭DBB


    brrabus wrote: »

    I thought the pedigree issue was only an issue for payment on death, the T & C refer to a value of 50% if pedigree certs are not provided.

    But that's what I'm saying... The company are looking for her dog's pedigree cert or they won't pay the death benefit. Blahblah said the dog was a pedigree, but because she can't prove this, they won't pay. Now, perhaps they'll agree to paying 50%; but not according to blahblah at this point anyway.
    My point is, blahblah is not getting what she thought she was entitled to. So, the small print needs to be closely examined when taking out a policy.


  • Registered Users, Registered Users 2 Posts: 583 ✭✭✭brrabus


    DBB wrote: »
    But that's what I'm saying... The company are looking for her dog's pedigree cert or they won't pay the death benefit. Blahblah said the dog was a pedigree, but because she can't prove this, they won't pay. Now, perhaps they'll agree to paying 50%; but not according to blahblah at this point anyway.
    My point is, blahblah is not getting what she thought she was entitled to. So, the small print needs to be closely examined when taking out a policy.

    Yeah, these are two separate issues, one is for vet fees and the other is for death claim. Now I am only reading their T & C which appears to be standard, no idea if there are different ones and also T & C should always be read in conjunction with the Policy Document. The comment that blahblah made was that they said that they would have not paid for the operation anyway because it was in Belfast. Their T & C also say that they will not pay for death claim for certain breeds over age 5 but do not specify the breeds. On the 50% issues, they appear to say €100 or 50% whichever is the lower.


  • Registered Users, Registered Users 2 Posts: 1,773 ✭✭✭Synyster Shadow


    DBB wrote: »
    But that's what I'm saying... The company are looking for her dog's pedigree cert or they won't pay the death benefit. Blahblah said the dog was a pedigree, but because she can't prove this, they won't pay. Now, perhaps they'll agree to paying 50%; but not according to blahblah at this point anyway.
    My point is, blahblah is not getting what she thought she was entitled to. So, the small print needs to be closely examined when taking out a policy.

    My dog is pedigree and I don't have his papers I could get them at any point I'm good friends with the people who bred him but to me it seems pointless I don't need them for proof I think insuring a dog under its name and address and DOB and owners details should be enough to cover that dog. Why are pedigree documents necessary its a dog and thats clear to be seen. It's sad really


  • Registered Users, Registered Users 2 Posts: 4,306 ✭✭✭blahblah06


    Cheers guys. I'm very tempted to take this further.
    It doesn't ask for pedigree certs when taking up the insurance that I can see anyway.
    I'd still love to know what difference it makes if pedigree or not


  • Registered Users, Registered Users 2 Posts: 583 ✭✭✭brrabus


    blahblah06 wrote: »
    Cheers guys. I'm very tempted to take this further.
    It doesn't ask for pedigree certs when taking up the insurance that I can see anyway.
    I'd still love to know what difference it makes if pedigree or not

    From reading the T & C (and I am conscious of your loss, so so sorry), it appears to be only to pay out for death. It seems to be the only place that they refer to it. Now as I said, I am only looking at the T & C I could get my hands on and don't have a copy of your schedule, which I would say does not really specify much anyway.

    Think you need to take a few days for yourself before you start looking into this much further tho, it will only upset you, it will upset you whenever but give yourself a bit of time, been there.


  • Registered Users, Registered Users 2 Posts: 8,000 ✭✭✭andreac


    blahblah06 wrote: »
    Cheers guys. I'm very tempted to take this further.
    It doesn't ask for pedigree certs when taking up the insurance that I can see anyway.
    I'd still love to know what difference it makes if pedigree or not

    If they are stating that they want certs to pay out, then tell them to show you where in their terms and conditions of the policy that it states that they require this when you take out the policy.
    Tell them if they will not pay out you will be taking the matter further with a solicitos.
    Unless they can prove that you need to provide certs then they do not have a leg to stand on!!


  • Registered Users, Registered Users 2 Posts: 4,306 ✭✭✭blahblah06


    andreac wrote: »
    If they are stating that they want certs to pay out, then tell them to show you where in their terms and conditions of the policy that it states that they require this when you take out the policy.
    Tell them if they will not pay out you will be taking the matter further with a solicitos.
    Unless they can prove that you need to provide certs then they do not have a leg to stand on!!


    well it does state in the terms on death pay out you need to supply papers.
    however, it didn't state it when actually clicking the pedigree part.
    they will pay a maximum of 100 euro.
    its better then nothing and will go towards the 300 fee to get her ashes back.

    What Im curious about now is as the policy was renewed December up front will I be entitled to a 10 month refund


  • Registered Users, Registered Users 2 Posts: 583 ✭✭✭brrabus


    blahblah06 wrote: »
    well it does state in the terms on death pay out you need to supply papers.
    however, it didn't state it when actually clicking the pedigree part.
    they will pay a maximum of 100 euro.
    its better then nothing and will go towards the 300 fee to get her ashes back.

    What Im curious about now is as the policy was renewed December up front will I be entitled to a 10 month refund

    Nothing in the T & C refer to this but it does refer to them canceling so I would argue that the same should apply.
    We reserve the right to cancel the insurance, for
    any reason, by notifying You in writing 14 days
    prior to the cancellation date. In this event We will
    refund any premium of any unused portion of the
    Period of Insurance.


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