Allianz Insurance

celticsfan

Hi folks

Took the family dog for his checkup last week and vet wants to start him on Cardisure for his heart.

Our fella has been insured since we got him but the vet wasn't sure if the above medication would be covered by it…

By any slim chance has anyone who's insured with Allianz, claimed for the monthy heart medication without issue?? as it works out quiet expensive. We will of course follow the advice and get them (am actually looking at getting an echo cardiogram beforehand to be sure) but am just wondering on the situation with insureance.

Thanks

tk123

I’d say you’ll be fine? I claimed for a different heart medication without any problems for one dog and for my elderly guy I claimed for all his monthly arthritis medicine.

celticsfan

Yea… i thought I would be fine as well until the vet said some of them won't cover that kinda medication which I found strange. Had him insured since he was a pup so should be ok.

It's strange, he's a spaniel and had a grade 4 murmur for the last number of years,we see one vet in the practice who deals with him regularly was never too concerned by it, as it hasn't progressed much over the years. By chance we had to see a different vet in the same practice (for another medical issue),he had a listen to the heart,still the same grade but was very keen to get on the meds. Both visits to the two vets were in the last month,strange how ones opinion can differ to the other…

JVince

What age is the dog. The level of cover decreases at age 8 and they only cover a reduced percentage. And that's after the excess is paid

If under 8 I think they always cover the issue at the same level from when it started.

Generally Allianz are quite good compared to others

celticsfan

https://www.boards.ie/discussion/comment/122543097#Comment_122543097

Seven now…I didn't realise that about how it decreases,thanks for the heads up

JVince

https://www.boards.ie/discussion/comment/122543160#Comment_122543160

Yep - the percentage drops.

I can't remember the exact figures now, but I had to pay about €300 excess and then they covered 70% of the balance and this reduced to 50% at age 9 and further thereafter. We got about €100 for a procedure that cost nearly €500.

So we gave it up as she had no ongoing issues and policy cost went quite high.

If the dog has a previously treated issue, they always cover it, so it's great for that.

tk123

Ours dropped to 65% when my boy turned 8 and excess was the same - €100. I still saved a lot of money with the insurance as I was able to claim back his monthly medicine, acupuncture and some emergencies along the way.

OP would your vet query with insurance for you to see if it’s covered? My youngest guy had a puppy murmur and we got an echocardiogram for peace of mind.. it wasn’t going to be covered as they’d deem it pre-existing based on the referral Vets experience so I didn’t try and claim for it.

celticsfan

https://www.boards.ie/discussion/comment/122545082#Comment_122545082

He'll be going back in for his annual vaccinations in a month or so. I'll be making sure to request the vet who normally deals with him and discuss it with her. The guy I seen the other day did say that he could refer me to Naas for an echo cardiogram which I feel would be the best course of action,but then followed it up by stating that you would prob end up on the Cardisure anyway.

I'll give Allianz a bell myself and see what they say,our vet didn't even have a few of the claim forms printed out for himself to fill in. I just find it intriguing how the usual vet we deal with checks the heart regularly and never mentioned the meds and this fella was mad keen to get him onto them asap.

Might try a second vet anyway,no harm in getting a second opinion too.