Hello
I can't remember the timings but I think pets at home have a "grace" period where they cover vet costs but usually their own in house vet and need to be contacted prior. I think it's maybe the 6 weeks.
However, I wouldn't advise trying to wait around and get them to help if you have access to your vet. Keep your receipts though and could always try with p@h later
Wet tail is more common in young hamsters and usually nothing the owner has done, stress is thought to be a trigger
Wet Tail - Proliferative Ileitis - Hamster Central WIKI
You can use a pyrex jug and lay in the cage to let them walk into them put a hand or book on top while transporting. Good luck, keep us updated x