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Pump insurance

K8tie_x

K8tie_x

Well-Known Member
Messages
199
Type of diabetes
Type 1
Treatment type
Insulin
Just got my pump yesterday and my DSN has advised me to get pump insurance. She didn't say it was compulsory but a leaflet she gave me that was provided by a specialist company says the NHS requires you to get pump cover.

Just wondered whether it was best to add it to the home insurance or whether to take out specialist insurance, if so can anyone recommend any companies? I am using the Accucheck Aviva Combo

Thanks to anyone that can help
 
Hi K8tie, some household companies may insure your pump, but they may ask you to pay your excess and it may have to be sent to a claims person, for them to decide, which may be something to ask. Also ask them how long would it take for them to process, your claim. They may say that they couldn't be able to answer that. Also as I came across with my home insurance provider, my pump would only be insured while at home(a lot, of use that is). I finally went with insurance4pumps, they automatically insured my vibe pump for 3thousand at a cost of £7 a month and I don't pay an excess when I claim, if I have to and replacement is sent within 24hrs. Hope that helps a bit.​
 
This has confused me in the past, when I got my first pump I was told 2 things, one was that I had to get it insured, and the second was that it remained the property of the hospital at all times. Someone pointed out that how do you insure something that doesn't belong to you and if they retain ownership that surely it is their responsibility, however i have a new pump now from a different hospital and after dropping 2 iPhones in the toilet I keep thinking I should get insurance!
 
I'd never thought actually about that Jody I had to sign a form saying it was only being loaned to me for 6 month also and they could ask for it back at any time if my hba1c didn't reach 8.5% or below within that time and stay within that range by .5% for each hba1c after. The nurse didn't say I "have to" get insurance but strongly recommended I do, however the leaflet about the insurance (which I think was produced by the company itself) that said the NHs required you to get insurance. I feel abit unsure now DSN is ringing me Tuesday I might speak to her then and see what she says :s I'm usually very careful but think I should air on the side of caution (I think??). Thanks for the help xx
 
That agreement seems quite strict, I think I'm lucky as my hospital reassured me early on that I would not be 'punished' by having my pump taken away if I was struggling with control. But hopefully you'll get those results anyway! And you'll have to let us know what she says next week, I think I might now take out insurance just because it does seen to offer some good benefits, especially with promises of quick replacement, and it's not too badly priced, given my history of clumsiness! ( prior to the 2 phones that fell into the toilet I also smashed 2!)
 
Oh Jody :-), I was told the same as you, and I've been pumping since Nov, my DSN is still expecting me to drop my pump in the loo, but so far I haven't as I wear pj's with deep pockets to keep the pump in or I wear shorts with a bra pouch which I attach to the shorts as it has 3 length settings(so to speak, that I got from amazon). But not unless I stop testing or not using the pump correctly, then it won't be taken from me. Google insurance4pumps, a very straight forward site, set up by an insurance guy, whose daughter was put on a pump, from what I've read and it's all under written by Lloyd's of London(so can't be bad).
 
I thought it seemed pretty strict too it made me feel abut uneasy tbh but I got the impression it was to make sure people are motivated in looking after themselves in terms of the pump. There were also points about how they could claim the pump back if you didn't attend your appointments! I think they're just trying to keep people on their toes and would be extremely surprised if they took it off me as I've never ever had a good run of hba1cs since using basal bolus insulins and I know my next one will have definitely improved I'm excited to see what it's come down to actually. I need to get sorted with some nice comfy practical ways for wearing my pump as I don't currently have a clip and jot finding it comfy at all in my bra so going to go and have a browse online that sounds good what you have off Amazon Julie I will have a search for that one :)
 
As for wearing it my old pump had a clip so it was always clipped to my waistband, my newer one doesn't and I generally wear in my bra (I wear the crop top style bras and do find it much less comfy in normal bras) or I made myself a little pouch to attach it to the outside of my bra (I have a bit of a sewing business on the side of my day job) or I actually found some waist pouches at work from a discontinued product that my pump fits in pretty well and they were free (ie. stolen from works stock cupboard but I'm in charge of it and we will be binning them all in the near future!)
 
I got mine from a seller called Tracey Michelle and it comes under health care and personal, hope that helps.
 
I'm waiting to hear back from my home insurance provider as we speak. I looked at insurance4pumps but I thought it was quite expensive - we'll see what my insurance provider comes back with. It seems to be a very long winded process, and I must admit I hadn't thought about things like how quickly I could get hold of a new pump. Would the pump provider send a new one pending completion of the insurance claim?
 
The DSN had said that the insurance4pumps company was used by another patient and they lost theirs and it was replaced by the next day. I don't think the home insurance providers would provide such good service and the zero excess is really pushing me towards the private company I would like to keep it completely separate from my home insurance after really thinking about it. I'm going to try and get it sorted within the next few days I think. I don't think the pump provider is obliged to do anything unless its through a faulty device
 
Lucie75, I 'm not sure on weather they would or weather you would have to to, wait until your insurance company agreed the claim or denied it and we all know what insurance companies can be like ;-). But another thing you may have to factor in, is this if you claim on your home insurance how much could it increase your renewal the following year, if you needed to claim??

K8tie, if you go onto insurance4pumps, enter your make of pump and all the other bits, you are insured straight away and all your paperwork is sent direct to your email address, which is what I like about them, no having to wait around :-).
 
I'm with insurance4pumps too. They are a bit more expensive but that's all they insure so I'm hoping the service will be good - as seems to indicated above. I also got them to confirm to me in writing that they replace on a 'like for like' basis as the policy is not clear on this. Someone had told me that they would sent out a different model or even a reconditioned one. I have it from them that it will be a new pump and the same one.
 
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