Vet fees can be expensive and lots of people take out pet insurance so they can afford medical treatment. It's understandable that some pet owners are left upset and frustrated when a claim is rejected by their insurer. Whether you are searching for a plan or in the process of making a claim, we've put together a list of some of the most common reasons why claims are rejected. 1. The owner has claimed for something that isn't covered You should always read your handbook before taking out insurance. It is vital that you understand the terms and conditions of your cover and double check anything that is unclear with your insurer. Insurers include the definitions of important words in their policy documents. When taking out your plan, read it thoroughly. You shouldn't assume the meaning of certain terms based on their everyday use or your previous experience with a different insurer. Once you’ve agreed to a particular set of terms, it is difficult to make a claim for something that is not included in those terms. 2. The claim is made outside the plan's time or vet fee limit There are different types of pet insurance plans available that include: Accident Only, Time Limited, Maximum Benefit and Lifetime. Depending on the plan you choose, there will be a limit on what you can claim for and this can result in claims being refused. In the case of a time-limited plan, there is a 12-month limit for claims. This refers to the period you can claim for a specific condition. For example, if your dog suffers from a condition such as cancer and you claim for treatment, your insurer will pay for your claim. You can continue making a claim for this condition for up to 12 months or up to your vet fee limit (eg. £4,000, £7,000, £12,000). Once you've reached your 12 month limit for making claims, the condition (in this case cancer) will be excluded from the plan and you won't be able to claim for this condition again. By comparison, a Maximum Benefit plan has a vet fee limit for each condition you can for. If you claim for a condition, such as cancer and the vet fee limit is £4,000; once you reach that figure, that condition will be excluded from your plan. You can avoid these exclusions by choosing a lifetime plan . They allow owners to claim for a condition throughout a pet's life. Lifetime covers vet fees up to a certain amount each year; as long as you renew your plan you'll get the same amount of cover each year no matter how many claims you make. ManyPets only offer lifetime, while other companies normally offer a mixture of lifetime, maximum benefit and time limited. With a lifetime product, it is important to note that your premiums may increase each year at renewal. 3. The plan does not cover pre-existing conditions Most UK insurers do not cover pets with pre-existing conditions. Always check how the insurer defines existing conditions - the best case scenario is likely to be any injury or illness experienced during the two years before a plan is taken out, together with any related conditions. Chronic illnesses are almost never covered by new plans. If your pet does have a condition that you would like to be covered, you must check whether this is possible with the insurer first. At ManyPets, we offer pet insurance that owners are looking for, so all our plans cover conditions without signs, symptoms, treatment, advice or medication for two years before the policy start date. We also have our Standard Care Pre-existing plan that covers conditions without signs, symptoms, treatment, medication or advice for three months. Lifetime (or ‘yearly limit’) insurance covers vet fees up to the stated limit every year. This can be a good option if you worry about your pet developing a long-term or recurring illness. So long as you renew a lifetime plan each year, the level of vet fees will reset to the full stated limits that you started with. Annual plans with 12-month limits are likely to be cheaper than lifetime plans but can cost owners more in the long term if they have to pay for treatment that has been excluded. 4. The claim was made during the initial exclusion period Pet insurance will often not begin until after the first 14 days of your plan. This is known as the "exclusion or waiting period". It gives you the chance to change your mind about a plan, it also means you can't make a claim during the first two weeks for an illness (claims for accidents are often excluded for the first 48 hours). If you're unclear on the official start date of your plan, always check with your insurance provider. At ManyPets, we've removed the 14-day waiting period for customers who’ve been with their previous insurer for 12 months or more and switch straight to ManyPets. 5. Your plan does not provide cover for 'routine treatment' There are a number of treatments that most insurers won't cover, including vaccinations, spaying, neutering and pregnancy-related issues. You will have to pay for these basic treatments and some insurers will require you to have them for your cover to remain valid. 6. Your pet needs dental cover Dental cover is not always included as standard in pet insurance plans. If your pet needs dental care, find out if your insurer includes this in your plan or whether it is an optional extra before purchasing a plan. Most pet insurers will not provide cover for routine dental care. Dental treatment can also be expensive and is one reason why pet insurers exclude it from their plans. Some plans will include cover for dental treatment if your pet has an accident but treatment for dental illness is often only included on the most comprehensive plans. ManyPets' Complete Care plan offers up to £20,000 of vet fee cover and includes dental cover for illnesses and accidents as standard. Dental issues can be assessed through video and online vet consultations if pet owners can't immediately visit their local vet surgery. All ManyPets customers have unlimited access to online vets which lets you get fast, expert advice from a UK-registered vet at any time your pet requires it. Learn more about which companies offer dental cover for pets . 7. The age of your pet has affected your claim Understanding how your pet's age affects insurance is an important factor to be aware of. Before taking out a plan, check if there's an age limit. Some insurers have limits that won't allow you to get cover for older pets. ManyPets believe all pets should be covered and we provide plans for dogs and cats of any age. If you're not sure about your pet’s age, you can get an estimate from your vet. Minimum age requirements might only be a few weeks. At ManyPets we won't insure pets under four weeks of age. However, any maximum age limits can vary between insurers and breeds. You should again check your plan for details. Most insurers will state that once a pet reaches the age of 8 or 9 they will be classified as older pets. Like humans, pets are more likely to need medical treatment as they get older, and insurance premiums tend to be higher for this age group. Once you've taken out a plan, your cover will continue even after your pet passes the maximum age stated, as long as you continue to pay your premiums. If you allow your plan to lapse, you may find it difficult to find a new plan or claim for a previous health condition. For older pets, you may be required to pay what's known as a co-payment . It means that once your pet reaches a certain age you will need to pay a percentage of the claim cost. When your pet reaches a certain age, you can't claim death from illness. At ManyPets, we don't pay for pets over 9 years old that die from illness. When a pet reaches old age, the likelihood of death from illness increases. Insurance is designed to cover vet fees for accidents and medical treatment. 8. There are exclusions for pets used for commercial purposes? Most insurers will not cover pets used for commercial purposes. That includes security, track racing, breeding and more. If you are unsure whether your pet will fall into this category, make sure that you double-check with your insurer. It is possible to get specialist liability plans for working dogs. 9. Your pet's details are not up to date Tell your insurer about any changes to your pet’s circumstances. This includes moving house or even changing owners. Your insurer must be aware of your pet’s details because they can affect your premium and ability to claim. Your claim has been refused If you believe that your claim has been unfairly refused the first step is to file a complaint through your provider. If this is rejected, you can take your claim to the free Financial Ombudsman Service . To find out about the Financial Ombudsman’s approach to insurance check out their website. You can also find more advice on how to deal with a rejected insurance claim on the Citizens Advice Bureau website.
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