Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

ladylouise62

It's not just Tescos - all insurers seem to do this, relying on people not to bother after joining. Call them and quote other charges that you could move to and see what they say - my Mum did that with DirectLine (albeit before the new year started) and they dropped the charge.

hethmar

Im surprised AXA is that much cheaper than More Than. Are you looking at the lifetime policy or the limited amount policy?

MRSCARNEY

hethmar wrote: »

Im surprised AXA is that much cheaper than More Than. Are you looking at the lifetime policy or the limited amount policy?

Lifetime - but I guess that More Than are adding on an amount for having to cover the things we have already claimed for which AXA wouldn't be covering.

Sara784

Has anybody used them? any good? I'm leaning towards m&s or axa at the moment as i've heard good things about them on here....just want to make sure i get good cover as my cat's a wee bit older...

walwin

Sara784 wrote: »

Has anybody used them? any good? I'm leaning towards m&s or axa at the moment as i've heard good things about them on here....just want to make sure i get good cover as my cat's a wee bit older...

I haven't used More Than, but wanted to advise against M&S. I was with them for a year then they changed underwriters from AXA to someone else and not only did their premiums shoot up, their cover went down and their terms weren't good.

I went directly to AXA. Theirs is a proper for life policy and they don't penalise older pets (My cat's 11)

I know several people on here use AXA and they all seem please with them.

hethmar

More than dont have "for life" policies - they are limited to the pot amount and once thats gone you are on your own.

M and S and Axa both have for life policies (but also do economy ones now, so be careful). In my opinion, out of the two, Id go for AXA.

lowis

when i adopted an Oldie (14yo) cat I found Axa offered the best cover - they do not charge a percentage excess of vets fees - just a flat amount of either £75 or £50 (you decide which excess you prefer, obv this affects the premium).

ellives

...a bit off message....For what it's worth I went for Argos platinum for my dog. It proved to be competitive price-wise - £18/m (plus £20 via Quidco) and the cover ticked all the important boxes....

Cover level Platinum
Vets fees £7,000*
Compulsory Vets fee excess £65 Per Condition, Per Year
Death from Accident/Illness £1,500
3rd Party Liability (Dogs only) £2,000,000
Accidental Damage £500
Advertising & rewards £1,500
Boarding Kennel Fees £1,000
Loss by Theft / Straying £1,500
Holiday Cancellation £3,000
Quarantine costs † £1,500
Emergency expenses cover abroad £1,000

*** Ongoing cover is provided up to £7,000 per year, subject to premiums being paid and up-to-date and the policy renewing each year

Bereavement Counselling helpline
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tcr_3

Hi there,

We've gone with the PDSA for our beagle. £3,000 pa vet fees, ongoing care, £500 death benefit, £1 million 3rd party liability, £250 accidental damage, £500 recovery expenses, £650 boarding fees, £500 for loss by straying/theft, £1000 for holiday cancellation.

Cost ? £7.20 pcm. They don't charge interest on monthly payments either. We thought it was a competitive quote for those things we thought important, best of all it's really affordable. Just hope we never have to use it.

Quinny_2

Our premiums for Stella have gone up by around 40% with M&S for Stella, from £12 to £17.