Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

hethmar

Im sorry I cant see how any insurer will continue to pay for a condition once you have left them and are no longer paying your premiums.

Llyllyll

hethmar wrote: »

Im sorry I cant see how any insurer will continue to pay for a condition once you have left them and are no longer paying your premiums.

This is what I'm asking so that I can be sure, but my understanding is that the policy states that they will pay for up to £4000 for 12 months from the 1st date of treatment. As the premiums for the year in which the initial claim was made have been paid in full then any subsequent claims within that 12 month (from 1st date of treatment and only relating to the initial claim for the enlarged heart) should still be covered.

Guess I'll have to get it straight from DL.

Bromley86

Ah, I was right first time . No, they will not pay for treatments administered outside of the insured period. So probably worth keeping that moggy with DL for another year and then switching it at next renewal.

EDIT: Just checked the policy wording and I can see why you might think that cover extended beyond the insurance period:

We will refund vet’s fees that you have to pay for treatment or
complementary therapy for your pet for a condition that first started
during a period of insurance, under the following conditions.
1 The most we will pay for each condition is £4,000.
2 Each condition is only covered for 12 months immediately
following the first date of treatment.

It doesn't actually say that you have to be insured for the full 12 months . Still, there will be other clauses that do.

mirrorimage0

just went to get our new puppy insured with petplan as we have two cats and another dog there and for our new puppy they wanted £43 per month, thats almost as much (minus a pound) that we pay for all three of our other pets im so shocked
2 cats £11 each
1dog gsd x £22
1 rottie pup £43

how do they justify this

lowis

i had a look at M&S and they wanted £35 a month for a 13yo cat.
pet plan only offered their 'value' plan for elderly pets (which is useless)
animalfriends seems like the best option - try them for a quote, very reasonable premiums considering the others!

hethmar

Mirrorimage, try AXA for your rottie pup. Ive just sorted life time cover for a friend for his two Bull Mastiffs - £38 for the both of them with AXA.

Lowis I think youll find animalfriends are not life time cover.

mirrorimage0

right just checked on axa and if i cover him as a rottie it works out £45 and pence per month, yet if i out him as a cross breed it works out 21 pound and pence per month, he is a rottie but isnt pedigree ie he has no papers or anything as he is a rescue dog, so what would you do

lowis

Hi Hethmar - animalfriends definitely offer lifetime cover for cats - they have a range of policies available, some include it, some don't. to insure a 13yo siamese on their best policy was abut £15 a month. I didn't look at dog policies.

the lifetime cover for cat policies are the gold and platinum policies, i assume it is the same for dogs.

jiblets1

Hi all, I am quite fancying the marks and spencer premier cover for my 13 wk old border collie. On reading the details it seems pretty good, but do I need to be concerned that it wouldn't pay for prescription food? Is it likely that I may need that at some point for her?

Many thanks

hethmar

jiblets, check out AXA and Halifax for a comparison.

Dont they pay for prescription food now? Thats the worry with M and S, they were absolutely the best when they first started covering pets - no excess policy which was wonderful then they virtually doubled the cost and put the excess from nil to £70. Im stuck with them with one of mine as I had to claim and that is something that another insurer would exclude in the future But if you are happy apart from the food, its not likely you will need it I spose. I have my dogs both of Royal Canin Skin support food because they both get allergies in the summer. I can buy it direct from Pet supermarket at discount so thats what I do.