Our pup was diagnosed with renal failure, after an uphill battle for 5 months (our pup was given 2 days to live) BUPA will not pay my vets consultation fee's as there is a annual sub limit on consultation fee's. How do you get treatment and care with out a vet? Had ultrasounds done which they covered but not the consultation to discuss the results.
They have processed all other invoices and claims yet are now stopping processing the consultation fee's. I am so concerned for the next year, knowing I have a sick pup but will be out of pocket for his vet to treat him.

I got my insurance on bupa so I decided to use Bupa for my cat. Couple months ago, my cat vomited suddenly and we took her to the vet ASAP, the veterinarian said it would cost over 700 dollars, I only got reimbursement around 280 dollars.
Today, I can't believe I just got reimbursement for 0.96 dollar. FYI, It was for two consultations and couple medicines.

They are hopeless goes to a team off shore very clinical well rehearsed lines like " for this one & " how is your pet today " no real compassion and will try and move the policy clarification to ensure they do not pay out . I regret signing with Bupa I am now stuck as my dog is over 10 .... take my advice and don't use BUPA hope I can save someone else the pain

Bupa advertise a card for petstock online when you sign up with them. After 4 months I'm still waiting. I called several times and the answer is always the same. Nothing helpful, they always promise give me a call back and they never do. If the claims are going to be the same i better move to another pet insurance.

I blame myself as the warning signs were there from the start. Despite being covered from as soon as we bought our puppies from their breeders, Bupa determined that giarda (an intestinal parasitic infection) was a pre-existing condition that they would not honor neither the veterinary consultation nor the medication for our dogs, despite being covered specifically for parasitic infections and consultation fees.

Further attempts to claim consultation fees have also been refused, with phone calls querying in what circumstance would Bupa actually pay out a consultation fee claim being met with confusion and an inability to answer.

We're in the process of changing Pet insurers now, stay away if at all possible!

Initially I did feel that this policy was easy to set up and offered good value for money. This was before I had to make a claim. I was provided with inconsistent, misleading advice that took several weeks to resolve - unsatisfactorily for our part. I have found all of my dealings with their customer services department extremely stressful. I would never recommend this insurance to anyone.