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    • PhiltheBear
    • By PhiltheBear 16th Jun 16, 9:49 AM
    • 246 Posts
    • 298 Thanks
    PhiltheBear
    All policies underwritten by RSA (not just Tesco) are now having this "we will choose your vet" written in. You really need to consider if that's a good idea. Firstly, if you have a relationship with an existing vet that you trust why would you want to move? Secondly, why would they do that? Is it because they a) get a rake off from the vet or b) that they force the vet to keep fees down and, in the process, perhaps don't give the best treatment but merely the minimum they can get away with?

    Letting your insurance company choose your vet is a BAD idea. It's not just me that thinks that, the RCVS thinks that too.

    I prefer to pay more for a much better insurance than anything the RSA offers so that I know that my pets will get the very best of treatment from someone I trust.
    • Sam Donovan
    • By Sam Donovan 16th Jun 16, 11:18 AM
    • 15 Posts
    • 2 Thanks
    Sam Donovan
    Phil who would you recommend as the main ones I am looking at are all underwirtten by RSA.
    • sheramber
    • By sheramber 16th Jun 16, 3:25 PM
    • 2,513 Posts
    • 1,934 Thanks
    sheramber
    All policies underwritten by RSA (not just Tesco) are now having this "we will choose your vet" written in. You really need to consider if that's a good idea. Firstly, if you have a relationship with an existing vet that you trust why would you want to move? Secondly, why would they do that? Is it because they a) get a rake off from the vet or b) that they force the vet to keep fees down and, in the process, perhaps don't give the best treatment but merely the minimum they can get away with?

    Letting your insurance company choose your vet is a BAD idea. It's not just me that thinks that, the RCVS thinks that too.

    I prefer to pay more for a much better insurance than anything the RSA offers so that I know that my pets will get the very best of treatment from someone I trust.
    Originally posted by PhiltheBear
    It is only for a referral vet, not your normal vet.
    • EllasPa
    • By EllasPa 16th Jun 16, 11:15 PM
    • 1,158 Posts
    • 1,717 Thanks
    EllasPa
    I was checking my renewals for my two cats when I noticed that the amount being taken by direct debit each month was about £4 more for both policies. I rang equine& livestock to find out why and they said it was for optional payment protection and legal cover. If I didn't want it they would refund it.
    Surely they shouldn't have took it without my permission in the first place. Not impressed at all.
    Anyone else come across this sharp practice.?
    • PhiltheBear
    • By PhiltheBear 17th Jun 16, 10:58 AM
    • 246 Posts
    • 298 Thanks
    PhiltheBear
    To answer 2 points:

    1. If your vet refers you to another vet a) RSA choose which one and b) you incur an EXTRA £200 excess. If I want my vet to refer me I want to go where he thinks is the best place not where RSA does. And it seems to be only RSA that impose an extra excess on top of the normal excess for the same condition.

    2. I wouldn't touch an RSA policy with a bargepole. In terms of preference I'd go Pet Plan,VetsMediCover, possibly M&S or John Lewis... I'd look at the website www.petinsurancecompare.co.uk which doesn't compare by price but only lists providers that are known to pay out without fuss. They also have an insurance buyer's guide which is free and very informative.
    • fairymoneysaver
    • By fairymoneysaver 17th Jun 16, 1:32 PM
    • 158 Posts
    • 361 Thanks
    fairymoneysaver
    [QUOTE=PhiltheBear;70845494]To answer 2 points:

    1. If your vet refers you to another vet a) RSA choose which one and b) you incur an EXTRA £200 excess. If I want my vet to refer me I want to go where he thinks is the best place not where RSA does. And it seems to be only RSA that impose an extra excess on top of the normal excess for the same condition.


    The above is incorrect. If your vet/you want a referral then you either go to an RSA approved specialist OR you pay £200 extra to go to one of your choice. Not both.

    Also if your policy has not been changed to the new system you can still go to any referral centre you want (as we found out recently).
    • Sam Donovan
    • By Sam Donovan 17th Jun 16, 3:42 PM
    • 15 Posts
    • 2 Thanks
    Sam Donovan
    Also M&S and John Lewis are both underwritten by RSA , hence my deilemma as all the main companies that have good levels of cover are underwritten by them.
    • PhiltheBear
    • By PhiltheBear 18th Jun 16, 9:38 AM
    • 246 Posts
    • 298 Thanks
    PhiltheBear
    Sorry, I misread the policy. However, there is no legitimate reason why you should pay £200 to use a vet of your choice and not RSA's.

    Tescos NEW policies are all underwritten by RSA - so any new buyer won't have the choice that fairymoneysaver has.

    I agree about John Lewis and M&S being underwritten by RSA. And you correctly point out that RSA are making big inroads into the pet insurance market. Sadly the fact remains that the very best policy is Pet Plan. Sad solely because it's very expensive. But you can get a very large lifetime cover (and anything other than a lifetime cover should be avoided like the plague).
    • PhiltheBear
    • By PhiltheBear 18th Jun 16, 9:42 AM
    • 246 Posts
    • 298 Thanks
    PhiltheBear
    I was checking my renewals for my two cats when I noticed that the amount being taken by direct debit each month was about £4 more for both policies. I rang equine& livestock to find out why and they said it was for optional payment protection and legal cover. If I didn't want it they would refund it.
    Surely they shouldn't have took it without my permission in the first place. Not impressed at all.
    Anyone else come across this sharp practice.?
    Originally posted by EllasPa
    E&L are possibly the worst pet insurance company in the country. If you look for reviews of them you'll see hundreds of complaints. The biggest complaint seems to be that they fight every claim that's made.
    • Sam Donovan
    • By Sam Donovan 21st Jun 16, 7:29 PM
    • 15 Posts
    • 2 Thanks
    Sam Donovan
    I was also looking at Direct Line however according to their policy for Advanced cover the £8k vet fees are NOT renewed each year..... can that be correct?
    • sheramber
    • By sheramber 22nd Jun 16, 6:03 PM
    • 2,513 Posts
    • 1,934 Thanks
    sheramber
    I was also looking at Direct Line however according to their policy for Advanced cover the £8k vet fees are NOT renewed each year..... can that be correct?
    Originally posted by Sam Donovan
    Direct Line- like many companies- give cover on a 'condition basis'.

    This means you have £8000 cover for each condition that arises over how many years it takes to use up the amount.

    So, if you have a claim for arthritis of £1000 the first year you have £7000 left to cover any further treatment. If you have no claim for arthritis in the second year your cover for arthritis remains at £7000

    However if , in the second year, you have a claim for a skin infection of £2000 then you still have £7000 for arthritis cover ( as you have not claimed anything for it) but you now have £6000 for any further treatment for skin infections.

    Each condition is covered separately.

    If your dog has five unrelated conditions in one year then you have 5x £8000 available for vet fees as you have £8000 for each new condition.

    This cover is generally cheaper than vet fee cover renewing each year as you are limited to £8000 per condition over the lifetime of your pet/ your policy if ceased earlier.
    • gettingready
    • By gettingready 22nd Jun 16, 7:59 PM
    • 10,493 Posts
    • 15,763 Thanks
    gettingready
    I was also looking at Direct Line however according to their policy for Advanced cover the £8k vet fees are NOT renewed each year..... can that be correct?
    Originally posted by Sam Donovan
    That would be a "per condition cover" as Sheamber explained.

    Some people think it is a good cover but it is actually not as if your pet develops any long term problem, the money for that condition would very soon run out. So you would have cover for anything else but not for the one you need once the "pot" is used up.

    Life cover is always better
    • Sam Donovan
    • By Sam Donovan 22nd Jun 16, 10:03 PM
    • 15 Posts
    • 2 Thanks
    Sam Donovan
    Thanks both for the explanation that makes much more sense , and yes I dont think it sounds like the best option.
    • sheramber
    • By sheramber 23rd Jun 16, 1:12 PM
    • 2,513 Posts
    • 1,934 Thanks
    sheramber
    While not the best option it can benefit someone whose pet has several separate expensive conditions in one year.

    It is better than the policies with a 12 month limit on claims for one condition.

    Sometimes it is the most cost effective policy for someone who cannot afford the cost of a lifetime policy.
    • sheramber
    • By sheramber 18th Jul 16, 8:01 PM
    • 2,513 Posts
    • 1,934 Thanks
    sheramber
    Just had the renewal from NCI for Cleo- was originally AXA but transferred to NCI as had previous cliam for cruciate op.

    Last year monthly premium was £26.11.

    Renewal this year is £21.64 .

    Underwriter has changed from Elite to Aviva. The requirement to contact them if treatment is going to be more than £850 is no longer shown.
    • trevjl
    • By trevjl 28th Aug 16, 3:07 PM
    • 40 Posts
    • 21 Thanks
    trevjl
    Direct Line- like many companies- give cover on a 'condition basis'.

    This means you have £8000 cover for each condition that arises over how many years it takes to use up the amount.

    So, if you have a claim for arthritis of £1000 the first year you have £7000 left to cover any further treatment. If you have no claim for arthritis in the second year your cover for arthritis remains at £7000

    However if , in the second year, you have a claim for a skin infection of £2000 then you still have £7000 for arthritis cover ( as you have not claimed anything for it) but you now have £6000 for any further treatment for skin infections.

    Each condition is covered separately.

    If your dog has five unrelated conditions in one year then you have 5x £8000 available for vet fees as you have £8000 for each new condition.

    This cover is generally cheaper than vet fee cover renewing each year as you are limited to £8000 per condition over the lifetime of your pet/ your policy if ceased earlier.
    Originally posted by sheramber

    I have been with DL for two years for my two springers. I didn't realise either regarding this and will investigate now as have just received my renewal.
    If you have this policy, be sure to go on their site and put in your details again. First year £23 for both dogs - renewal came through at £35. Went online and got it with them again for £29. This year, renewal has come through at £43, just been online and got a quote for exactly the same for £27
    • sheramber
    • By sheramber 28th Aug 16, 7:18 PM
    • 2,513 Posts
    • 1,934 Thanks
    sheramber
    I have been with DL for two years for my two springers. I didn't realise either regarding this and will investigate now as have just received my renewal.
    If you have this policy, be sure to go on their site and put in your details again. First year £23 for both dogs - renewal came through at £35. Went online and got it with them again for £29. This year, renewal has come through at £43, just been online and got a quote for exactly the same for £27
    Originally posted by trevjl
    New policies usually attract an introductory . Direct Line do statee
    12 months for the price of 9

    However, if you have consulted your vet about anything, whether or not any treatment was given, it will considered a pre existing condition and excluded from the new policy.
    • trevjl
    • By trevjl 3rd Sep 16, 4:12 PM
    • 40 Posts
    • 21 Thanks
    trevjl
    confused
    Good point.
    The more I look the more confusing it gets. I quite like the look of a Co-Op policy at about £40 for the two dogs for lifetime £5K but i cant find any info on whether they are good payers.
    Petplan £50 for £4K or £60 for £7K
    John Lewis £50 for £3K or £50 for £7.5K

    at the end of the day, I can afford to pay if it goes over so it's not a life or death thing, just like value for my £ anddon't like being ripped off.
    • PhiltheBear
    • By PhiltheBear 4th Sep 16, 11:37 AM
    • 246 Posts
    • 298 Thanks
    PhiltheBear
    The Coop's insurance is a 'badged' version of Pet Plan. No worries about paying out - but do read the policy and make sure that it's the cover you want and the amount you want covered.
    • mrssjs
    • By mrssjs 22nd Sep 16, 1:48 PM
    • 578 Posts
    • 6,254 Thanks
    mrssjs
    We are paying around £20 per month for LV's premier policy.

    Our Premier policy covers treatment for as long as your pet needs it with cover up to £10,000 for vet fees every year. This will continue for as long as your pet is insured with us.

    They have recently paid out for an emergency operation our puppy had to have with no issue.
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