Animal Friends insurance

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ladymissk
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Animal Friends insurance

Post by ladymissk » Fri Jan 01, 2016 9:11 am

Hi, and a Happy New Year!!!
Has anyone had any dealings with Animal Friends insurance? I rang them yesterday about a claim for Beryl my cat, the vet bill was 300 quid, so not an amount I can really afford.
They are refusing to pay because they said she had a pre diagnosed condition, which she hadn't.
Apparently other people have had trouble with them, any advice?

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MarkB
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Re: Animal Friends insurance

Post by MarkB » Fri Jan 01, 2016 10:32 am

I haven't had any dealings with them, but considered it at one point as they donate to animal charities.

Really you need to get your vet to write to them stating that the condition wasn't existing. They can't argue with that. Failing that, there must be some kind of appeal process or ombudsman process?
Last edited by MarkB on Fri Jan 01, 2016 11:48 am, edited 1 time in total.

booktigger
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Re: Animal Friends insurance

Post by booktigger » Fri Jan 01, 2016 11:17 am

Sadly Animal Friends have a bad reputation for paying out, good luck

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MarkB
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Re: Animal Friends insurance

Post by MarkB » Fri Jan 01, 2016 11:52 am

I could be wrong, but I have a feeling they may be the same company that was known as M&L (Or some other initials) previously and had a bad reputation then. The bottom line though is if your vet is certain you aren't trying to claim for an existing condition (or a related condition) they don't have a leg to stand on and they will have to pay.

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Re: Animal Friends insurance

Post by Nicyorke79 » Fri Jan 01, 2016 2:07 pm

I had a bit of trouble getting them to pay out for treatment Puzzle had for her oral cancer as they said it was classed as dental treatment. My vets sorted it out for me by sending them a letter and they paid out soon after. Didn't get much though as i didn't realise they would knock so much off because of her age. They shouldn't be allowed to do that.

Nicola x

ladymissk
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Re: Animal Friends insurance

Post by ladymissk » Fri Jan 01, 2016 7:35 pm

Thanks for the advice guys, I'll try ask the vet for a letter x

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MarkB
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Re: Animal Friends insurance

Post by MarkB » Fri Jan 01, 2016 10:26 pm

Apparently they were on Watchdog in October http://www.petinsurancereview.co.uk/animal_friends.asp

ladymissk
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Re: Animal Friends insurance

Post by ladymissk » Wed Jan 06, 2016 1:49 pm

They've refused Beryls bill of 368 quid, because I took hereto the vets in May for her claws clipped, and just mentioned to the vet she was drinking water a lot. He didn't test her or anything, just said keep an eye on her. They are now saying she had a pre existing medical condition!!! This can't be right?

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meriad
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Re: Animal Friends insurance

Post by meriad » Wed Jan 06, 2016 2:13 pm

when did you take out the policy? If it was well before May then they don't have a leg to stand on and you should be able to get a letter from the vet confirming that whatever it is you're claiming for is not a pre-existing condition

companies like that make me so mad! Stick to your guns and take it to the top - yes annoying and frustrating on your behalf, but they probably rely on people to just give up

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Re: Animal Friends insurance

Post by lmills75 » Wed Jan 06, 2016 5:00 pm

I have to say I've not had a problem with Animal Friends - they've paid up for everything with me, even when an op had to be redone and I feared they may get difficult.
My vets do say that they are notoriously bad at paying out though, but a letter from them should sort things out - Animal Friends can't argue with that.

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MarkB
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Re: Animal Friends insurance

Post by MarkB » Thu Jan 07, 2016 9:49 am

As long as the vet didn't suggest doing blood tests at the time you mentioned Beryl was drinking a lot, you should be fine. Did you speak to your vet? - It is likely the vet will charge for a letter. I even had to pay my GP for a letter several years ago that I needed for uni (as a mature student) to explain why a chronic health problem could delay my course work. They may be able to do it with a phone call.

ladymissk
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Re: Animal Friends insurance

Post by ladymissk » Thu Jan 07, 2016 1:55 pm

The vet won't write a letter as his argument is that he can't confirm whether or not she had a condition as I didn't take the test!!! I'm so bloody mad, I don't have leg to stand on, but I'm not letting it go without a fight..totally wrong :@

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SarahT1 [PLLE]
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Re: Animal Friends insurance

Post by SarahT1 [PLLE] » Thu Jan 07, 2016 2:22 pm

What??!! Is your vet getting a kick back from Animal Friends? Not very good for customer relations with YOU who I think should be far more important than being jobsworth over an insurance claim. Maybe some people out there know what the deal is between vets and insurers.

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meriad
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Re: Animal Friends insurance

Post by meriad » Fri Jan 08, 2016 3:09 pm

You just need your vet to confirm that Beryl has not been treated for whatever they say the pre-existing condition is before...

How can they say something is pre-existing when Beryl has never been treated for it?

I'd kick up a fuss - a right royal one too

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Re: Animal Friends insurance

Post by Marla » Fri Jan 08, 2016 3:13 pm

I agree and don't let them get away with this!

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MarkB
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Re: Animal Friends insurance

Post by MarkB » Fri Jan 08, 2016 11:02 pm

As I said before (but probably didn't make clear) if the vet suggested tests at the time you mentioned Beryl's drinking and you declined, they might take sides with the insurer.

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