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Old 18.01.2021, 13:44
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Re: Dealing with pet insurance

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We have a 10 year old Frenchie.. We've only had it a couple of years, from a reputable rescue assoc.. I took insurance with Epona and so far have never made a claim.

My question is around what do you claim for.? Do you claim everything?
IE. Initially because of its age, Epona wanted a full vet check before they'd cover it fully.. We did that and now it's fully covered. I didn't submit a claim for that bill.
Dog was sick another time and vet gave it some tablets which cost around 100chf, I didn't claim for that.
It has typical franchie breathing / snoring issues for which we saw the standard vet 100chf . and a specialist, another 100chf. .. Now the specialist recommends an operation, 1000chf..

Should I have been claiming all of these smaller bills? Do you bother? Does it matter?
Same as your health insurance, you probably have a yearly excess before you get refunds. You can save the bills up until you go over the excess, then send them in together, or send them in as you get them. Next year, you start again.
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