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Originally Posted by Kadify  Yes I was looking at that list as a general starting point but it doesn't go into extreme depth of his people felt about the wellness care.
I'm also curious if I can have dual insurance like humans can have to cover 100% of treatments? |
I'm in the UK so I won't be able to comment specifically on the wellness care bolt-on without doing some research for you. Hopefully, someone with experience will be able to comment shortly.
As for dual insurance (having 2 providers who cover the same thing), normally liability is split between insurers when there is a claim. This is sometimes a good thing because it means that insurers have to pay less when they share liability with another insurer. At the time of the claim, you will have to declare the claim to both Insurers who will contact each other and agree who will take lead on the claim. Then, at settlement, a 50/50 settlement between insurers will be agreed resulting in 100% coverage for you.
HOWEVER, some insurers will exclude liability if a second insurer is declared (and you must declare it) so you need to carefully check the terms and conditions of the specific provider to ensure cover in the event of dual insurance.
If the terms and conditions do not explicitly state cover restrictions or exclusions as a result of dual insurance then full cover is in force.
Hope that makes sense..