Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

I can sell you the trimmings from the horses feet if you're interested. The farrier leaves them for us to clear up so we have quite a pile The dog likes to eat them too.... yum! _pale_

You will still be able to get insurance, but pre-existing conditions will be excluded I'm afraid.

I hope your cat gets better soon I know how upsetting it can be

Tomthumb wrote:

Which is the best one for insuring an African Grey Parrot? Does anyone know? TIA

Try http://www.exoticdirect.co.uk .

Regards
WeeMee

I used to have insurance for my two cats from an insurance policy that we got from the breeders we bought from them. Really good policy, we only had to claim a couple of times but they even covered dental. Can't remember name.
Worked out last year that the premiums had been rising and we could halve our insurance from £400 to £200 by going with Tesco. No dental but £200 more than covers it.
Well...now I got my renewal today from Tesco and they say to keep their costs competitive they have introduced certain exlusions. One of these exclusions is no investigative work.
What is investigative work?
The one time we had to claim more than a negligible sum was when our big cat was having tummy problems and needed investigative work (I think it is?). It was xrays..turned out he had swallowed a small necklace. So he had to be operated. But from memory it was quite a bit of the bill so if it was just the operation we could claim once excess was in place and it only applied to the operation, it wouldn't be worth claiming.
Or is that not investigative work?
Anyone got any recommendations on other insurance companies?

Thanks.

DaisyLondon wrote:

now I got my renewal today from Tesco and they say to keep their costs competitive they have introduced certain exlusions. One of these exclusions is no investigative work.
What is investigative work?

Using the Veterinary "definition" of the term, I would also assume that "investigative work" was a reference to blood/screening tests, X-rays to determine the cause of a symptom (and NOT routine for health screening or pre-operative)... Which, unless big changes have happened to pet insurance in the last few years, I find a little bit odd...

Can you contact them and ask them to elaborate? If so, I would be interested in hearing what they say to you

On the Tesco Finance website for Pet Insurance, it does not mention this clause in their FAQ's;

What's not covered by Tesco Pet Insurance?
As with all insurance, there are some exclusions. These include:

Treatment for any pre-existing conditions as defined by the Policy Document.
Any illness or disease occurring within the first 14 days of cover.
Any preventative or routine treatment such as flea treatment, neutering and vaccination, behavioural problems, pregnancy, dietary food, and dental treatment unless due to accidental external injury.

Please refer to the Policy Document for full details of what is and isn't covered.

Source: http://www.tescofinance.com/personal/finance/insurance/petins/faq.html#10

Anyone got any recommendations on other insurance companies?

From a professional point of view, I would always recommend PetPlan for their full and speedy service to both their client and the Veterinary Surgery handling treatment (if necessary). But you would need to check that it covers what you want it to and also the price suits you