Can I ask a couple bought a pup last year which died
after eating a sock. It was insured with the health care
plan with k.c. The owners did not pay up the full amount
for insurance they took out a monthly direct debit.
Because they did not pay the cash up front so to say, they
did not recieve the full amount of what they paid for the
pup. The vet was paid, the hospital was not, and they
were given £100 for their pup which they paid £500 for.
Do any other people have trouble with insurance companies
paying up for accidents etc.
What is the best insurance to go with?
Nutkin

Hi Nutkin - I would say in that case the premiums for the remainder of the rest of the year were deducted. When you take out the insurance with the KC you are taking a policy for a year but they allow you to pay monthly by direct debit. When we lost our GSD to cancer we had no problems at all with payments for his op and treatment and then with refund of the purchase price when he died. They did however deduct what would have been remaining premiums for the year which I can understand why.
I have one insured with them still until this year finishes and one covered with Pinnacle petcare as I felt this was a better allround policy and I will swap the other dog over to them too when the KC year is up.
If you run a search on here you will find plenty of posts on this subject as it has been discussed at length in the past.
Sara :)

Wow:o- I didn't think of that I have chosen to pay monthly by direct debit- I'm with DBI- I'd better look into it tomorrow.

Stacey x x x

I have not heard of that one I pay Zac's money by direct debt but they would have to
honour the claim if I made one ,I will now look into this matter .

Pat

When I took out my pet insurance the only option was to pay monthly as they don't do an annual policy as such, it is reviewed on the anniversary of the date you started, but is a monthly policy that can be cancelled at any time, as the person I spoke to pointed out, dogs are living creatures and anything can happen, so if you lose the insured dog the policy is immediately stopped at the end of that month. So far I have no problems with claims, all have been settled almost immediately & can be signed directly over to the vet, all I have to do is pay the £40 excess. Ingrid

Hi Nutkin,

I say this with 100% good intention but I think there may be something more to this ..whether you pay for a policy monthly or yearly the contract with the is the same. They may expect you to pay the reas of the premiums but that is all. They cannot make a deduction on the basis of monthy payments.

Is there a possiblity there had been arrears on the policy or that the deduction made was just in fact the remaining payments.

I am sure if you contact the KC they would clear this up.

I am to believe the KC is quite good insurance but for some just a bit expensive.

Don't know if this helps or not.

BFN Pam :-))