Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

lowis

hmc - have you tried AXA just to see how they compare? exhaust the 'for life' ones first, before you consider anything less.

the tesco policy isn't great regards the amount per condition...there are other ones similar to tesco which offer a bit more per condition - i think sainsburys is £7000.

hmc

hi
ok so far
sainsburys 20.80- 7000yr
tesco 13.30 -

halifax 26.57
more than 16.00
pet plan 22.63
direct line 19.87

argos-15.52-
anyone used argos? if ive read it right it is £7000 per yr unlimited treatment
tesco £4000 per cond a yr

hmc

me again
axa 19.54

could some one look at argos top plan for me? i dont really understand all the terminology lol thaks

thesim

hmc wrote: »

me again
axa 19.54

could some one look at argos top plan for me? i dont really understand all the terminology lol thaks

Only problem with that is they state in the T&C they dont cover dental unless its due to an accident. Which means as your pet gets older it may need dental treatment which may bot be covered.

Other than that, a quick google of different pet insurance company names will bring up reviews.

lowis

yes, looks like argos will give you £7000 a year, every year for ongoing treatment...give them a ring to verify this though, and ask them if they exclude an illness once it is claimed for.

seems like a fair policy. a lot of insurance doesn't cover dental - but it depends what the condition is and how the vet words it. my cat needed a tooth out as he has a lesion on it...AXA paid up despite stating that the policy doesn't cover dental.

bear in mind that argos can change their underwriter at any given time, and may therefore change the policy benefits.

hmc

thankyou all
i think im going to go with axa seems the best bet for them not changing their terms and conditions. so its their better policy i go for?
trouble is it will put me in debt every mth, but a big vets bill would be worse i suppose
someone suggested not getting into debt with insurance as i can take him to the blue cross
but the nearest is 45mins away and im sure they wouldnt fund ongoing treatment for yrs??
seems wrong somehow

also seems mad that pet insurance is more than my contents insurance or car insurance lol

albacookie

hmc wrote: »

thankyou all
i think im going to go with axa seems the best bet for them not changing their terms and conditions. so its their better policy i go for?
trouble is it will put me in debt every mth, but a big vets bill would be worse i suppose
someone suggested not getting into debt with insurance as i can take him to the blue cross
but the nearest is 45mins away and im sure they wouldnt fund ongoing treatment for yrs??
seems wrong somehow

also seems mad that pet insurance is more than my contents insurance or car insurance lol

You are three times more likely to claim on pet insurance than a house or car policy plus a lot of conditions are ongoing so cost the insurer a lot.

Only you can decide if the cost is worth it for you - don't forget about having to pay the excess too.

hmc

he is 6 now and never been to the vets apart from jabs, but you never know do you
ny last collie had arthritis from age 7 and cost me £50 a mth on pills till he was 15yrs, as my tesco policy only paid out for a yr

axa excess seems reasonable

hmc

just been on a review site for axa and it wasnt great though not many people had reviewed it
said they had trouble chasing claim money
anyone had slow payments for claims
do they not pay the vet direct? i suppose vets dont want to wait for money

lowis

i have had no problems with AXA at all - they have issued payment within 2-5 days of receiving my claims - very speedy. my vet claims directly from them for large bills. this is down to your vet though, so it would be a good idea to ask your vet if they would deal with axa directly - and if they don;t, ask which insurers they do deal directly with x