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Old 18.01.2021, 13:38
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Dealing with pet insurance

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?
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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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Old 18.01.2021, 14:14
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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?
Is the operation that is being recommended the one to enlarge tight nasal passages? If so, could be excluded if Epona excludes congenital breed defect as this is a known issues for bulldogs.

In any case, I would personally submit everything and then see what happens.

Just one word of caution... general anesthetics is not without risks, so to submit an older dog to it and especially a bulldog, I would only do so if medically required. The snoring and breathing issues are part of the breed unfortunately and will never entirely be solved so please weigh the pros and cons carefully. Why is the specialist suggesting it?

K
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Old 18.01.2021, 14:41
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Re: Dealing with pet insurance

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Is the operation that is being recommended the one to enlarge tight nasal passages? If so, could be excluded if Epona excludes congenital breed defect as this is a known issues for bulldogs.

In any case, I would personally submit everything and then see what happens.

Just one word of caution... general anesthetics is not without risks, so to submit an older dog to it and especially a bulldog, I would only do so if medically required. The snoring and breathing issues are part of the breed unfortunately and will never entirely be solved so please weigh the pros and cons carefully. Why is the specialist suggesting it?

K
I don't see any particular exclusions.. And they wrote to me saying that after the clean bill of health from the vet, they would now provide full cover..
"C’est avec plaisir que nous vous faisons parvenir la police d’assurance ne contenant plus de réserve"

It's had a couple of instances where it stopped breathing momentarily, while sleeping and came around gasping for air.. Vet says its sleep apnea. That was the reason for latest vet visit. Plan is to widen the nostrils with a laser basically.

Not sure I would go ahead and operate but it's the wife's dog and the specialist recommends it The dog runs around crazy and is full of energy, it snores and farts like a train but that's pretty normal.
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Old 18.01.2021, 16:46
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Re: Dealing with pet insurance

Our experience with Epona has been that generally, they pay (although they did quibble about an allergy issue). However, they take a very looong time to pay. And when I say long I mean up to 6 months...

Given that Epona has an excess, I would submit all your bills as and when you get them, and then they are in the system. If they aren't, it may just mean that they will take even longer to pay when they have to.
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Old 30.03.2021, 16:21
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Re: Dealing with pet insurance

I asked vet about insurance, and they said -- pick anyone but Epona.
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Old 30.03.2021, 20:35
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Re: Dealing with pet insurance

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I asked vet about insurance, and they said -- pick anyone but Epona.
Did they say why?

I was looking into pet insurance, and epona's conditions looked decent. I forgot the name of the other one, but I think I discarded them because they want less than 6-7 years old animals I think.

Is there anyone else left?
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Old 30.03.2021, 19:57
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Re: Dealing with pet insurance

ETA:

Oops, didn't realize I was responding to an old post. But I'll leave it here as info for anyone else in a similar situation.

Glad to hear that your Frenchie is doing well, John.


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Just one word of caution... general anesthetics is not without risks, so to submit an older dog to it and especially a bulldog, I would only do so if medically required. The snoring and breathing issues are part of the breed unfortunately and will never entirely be solved so please weigh the pros and cons carefully. Why is the specialist suggesting it?

K
Good point, Kri.

John you might ask the vet recommending surgery if he or she works with a specialist in veterinary anesthesiology for surgeries where the dog is at high risk during anesthesia.

This is becoming more common in Switzerland. In my area, one can call on a specialist at the Tierspital in Zürich, or use a private group (http://www.vas-int.com/en-gb/home/) who travel to the practice where the surgery will be done.

We took advantage of this extra precaution anytime my dearly departed Hooligan needed anesthesia due to her risk factors. Yes, it adds to the cost - but IMO money very well spent.

Obviously you need someone in your area, so the specialist recommending surgery likely knows who to call on. If, that is, he or she feels that step is needed. It might not be in your pup's case.

Do make sure you discuss the risk factors in performing surgery, as well as in choosing not to do so.

---

Wishing you and your Frenchie all the very best.

Last edited by meloncollie; 31.03.2021 at 15:49.
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