Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

hethmar

Thats interesting, I noticed at the bottom of the email sent from petplan it said petplan was a trading name of allianz insurance. So I googled them and pet insurance and found Cornhill act for allianz in pet insurace. Same details for Diggs given:

Hmm, they cut out all the usual add ons

You can spread your payments over the year at no extra cost. Please read the summary of details including important information below before purchasing. Annual Premium £ 225.10 per year OR an initial monthly payment of £ 18.85 followed by 11 monthly payments of £ 18.75 Veterinary fees
more info




up to £5,000
per year

Veterinary fees:

Provides cover for new illnesses and injuries, including hospitalisation and referral. Our Classic plan has a 12 month time limit on veterinary fees starting from the date in the policy year when the injury happened or the clinical signs of the illness were first noticed. Our Select Plus plan has a Covered for Life guarantee. This means that – on the basis that the policy is renewed each year without any break in the cover – we continue to pay for treatment of ongoing illnesses or injuries, up to the maximum benefit, without restricting the length of time you can claim. Excess for Classic £60. Excess for Select Plus £70.


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Complementary treatment more info


up to £750 per year

up to £750 per year

Complementary treatment:

Both plans cover complementary treatment, such as acupuncture and homeopathy, up to £750 per year. Please read the policy Terms and Conditions for precise details on what is covered.


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Add third party liability:
more info
Yes No



up to 1 million
up to 1 million

PikeyBen

I know Direct Line are currently offer 12 months for the price of 10 when taking out a new policy when you quote the reference 'Pet 12 for 10'.

We used comparebestdeals.com/insurance/compare-pet-insurance and found that Tesco cover vet bills of up to £4,000 and offered a 20% online discount and clubcard points. Other Insurers actually covered more vet bills - but in all my years of owning a pet it's never really exceeded £600, so I went for Tesco in the end last month.

marshallka

PikeyBen wrote: »

I know Direct Line are currently offer 12 months for the price of 10 when taking out a new policy when you quote the reference 'Pet 12 for 10'.

We used comparebestdeals.com/insurance/compare-pet-insurance and found that Tesco cover vet bills of up to £4,000 and offered a 20% online discount and clubcard points. Other Insurers actually covered more vet bills - but in all my years of owning a pet it's never really exceeded £600, so I went for Tesco in the end last month.

I got the tesco one today for two older dogs but with the smaller vets bills of £2500. I know its not the best but the best we can (not) afford.

hethmar

Its the length of time with Tesco that is the concern Ben - its not for life.

vikingvampireparrot

Could someone tell me what the problem is with E&L? I've seen a couple of posts just saying they are bad while flicking through but no specific details as to why and when I search it comes up with nothing!

Both of my dogs and my horse are with them, through pet-insurance and horse-insurance respectively - their cover looked far better than any other insurers I saw so I'm worried now!

hethmar

Ive never heard a good word about them viking - only complaints. Its when you actually claim that the problems start apparently Have a google, there may be some sites about them? Our friend is still waiting for payments for his dog's illness and the dog has been dead over a year now

Hmm,. seems there are quite a lot of hits and all bad Im afraid. If you havent made a claim or had to visit a vet with any of your animals, look for an alternative insurer now.

This for a start

http://www.uk-insurance-index.co.uk/insurance-company-1186.html


http://74.125.77.132/search?q=cache:4SqTizm_VKMJ:www.reviewcentre.com/reviews57547.html+e+and+l+insurance+reviews&cd=1&hl=en&ct=clnk&gl=uk&client=firefox-a


Avg Customer Service Rating: 0/5
Avg Value for Money Rating: 2/5
Avg Overall Rating: 0/5
Recommendations: 0%

http://74.125.77.132/search?q=cache:3UzoNZZYWQkJ:www.uk-insurance-index.co.uk/review-233.html+e+and+l+insurance+reviews&cd=3&hl=en&ct=clnk&gl=uk&client=firefox-a

marshallka

hethmar wrote: »

Its the length of time with Tesco that is the concern Ben - its not for life.

What do you mean on that? Its for any age dog isn't it?

refit

marshallka wrote: »

What do you mean on that? Its for any age dog isn't it?

There are three types of policies:

1. Set amount per year (You could claim a set amount for a year, but pre existing conditions are not covered) Usually after a year, a chronic condition will not be covered.
This is good for an accident, but if your pet becomes diabetic (for example), after one year, no cover. Cheapest variety


2. Amount per condition: This will allow you to claim a set amount per condition over a period more than a year. But once the maximum amount is reached, no further cover. So again, in a chronic condition like arthritis, once you have reached the limit, further cover ceases. Middle ground

3. For life policy: In this it is a set amount, every year! So you could claim your maximum amount every year. Best for chronic conditions as the amount you claim replenishes every year. Best but most expensive

Hope this helps

marshallka

Thanks refit. We have taken the standard tesco one and it says

If you have chosen a Tesco Pet Insurance Standard policy, we will provide your pet with necessary treatment for each illness, injury or disease up to a maximum of £2,500. Under the Standard policy, each condition will only be covered for the 12 months immediately following the first date of treatment.

I take it that if they develop a chronic condition after you have used the £2500 they then would not cover you even if you renew the policy. Am I right here.

Ostler

My dog (aged 10) has recently had a bladder problem – blood in the urine. The Vet took samples and gave him antibiotics for a week, but after another sample it came back as still containing blood and bacteria. The dog was taken in for a scan and other tests, which came back inconclusive, so it was recommended that he should have all the same tests again, but with a cancer specialist, who took a biopsy. The biopsy was still inconclusive, but that vet gave us another course of antibiotics and some pain killer/anti inflammatory tablets. After that course of tablets another sample was taken, which came back clear. All of this has cost us £1,500 pounds and because our insurance is with E&L (they will only pay two thirds of the total bill), we had to pay, then make a claim. We’ve already received notification that this year’s policy has gone up from £14 to £18 per month. We’ve also received a letter from them saying that the dog will now only be covered for a year for anything to do with his bladder, after that its not covered. We haven’t received any money from them yet, but hopefully it won’t be too much longer. So, you really need to do your homework regarding pet insurance. Perhaps it would be better to put £30 in a savings account, which would have come to £3,600 over 10 years + interest – even £15 a month would have covered this bill.