Insurance Again
Posted: 20 Oct 2018, 15:48
Dear All
Lily's 7th gotcha was last weekend (photos to follow on a separate post) making her now 9ish. I have just received her insurance premium (increased from £500.00 per year to £600.00 per year and annual excess increased from £115 to £125) from Petplan (been with them since 2011 when I adopted her aged 2 with no known illnesses) and am startled to see that from next year when she is 10, not only will we have to pay excess, but also 20% of all claims.
Lily has immunotherapy vaccines every month, and atopica every second day, just for ongoing maintenance before you even think about the one-off illness.
Her claims in 2016-17 totalled £1239.73 (£184.80 Nov 16, £405.73 Jun 17, £214.32 Aug 17, £434.88 Nov 17 )
Her claims in 2017-18 totalled £765.84 (£96.68 Jan 18, £469.12 May 18, £200.04 July 18) plus another one due to be submitted for approx £400.00
So she claims approx £1200.00 per year just on routine medication, meaning I am going to have to find an extra £240.00 per year which could be really challenging for us.
I'm afraid to even look at switching, as she has so many ongoing routine medications which would not be covered, so I don't think there is any point.
If anyone has any money saving tips to ensure that my beloved girl continues to get the medication she needs, then I'd love to hear from you.
Jane (and the gorgeous Lily)
Lily's 7th gotcha was last weekend (photos to follow on a separate post) making her now 9ish. I have just received her insurance premium (increased from £500.00 per year to £600.00 per year and annual excess increased from £115 to £125) from Petplan (been with them since 2011 when I adopted her aged 2 with no known illnesses) and am startled to see that from next year when she is 10, not only will we have to pay excess, but also 20% of all claims.
Lily has immunotherapy vaccines every month, and atopica every second day, just for ongoing maintenance before you even think about the one-off illness.
Her claims in 2016-17 totalled £1239.73 (£184.80 Nov 16, £405.73 Jun 17, £214.32 Aug 17, £434.88 Nov 17 )
Her claims in 2017-18 totalled £765.84 (£96.68 Jan 18, £469.12 May 18, £200.04 July 18) plus another one due to be submitted for approx £400.00
So she claims approx £1200.00 per year just on routine medication, meaning I am going to have to find an extra £240.00 per year which could be really challenging for us.
I'm afraid to even look at switching, as she has so many ongoing routine medications which would not be covered, so I don't think there is any point.
If anyone has any money saving tips to ensure that my beloved girl continues to get the medication she needs, then I'd love to hear from you.
Jane (and the gorgeous Lily)