Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

zebidee1

I came across that company too and most of the reviews I found seemed good (if they are to be believed). I still haven't sorted out our replacement insurance, I was going for Petplan but I'm still undecided.

The Vets Medicover excludes the 1st 30 days whereas most other companies are the 1st 14 days. Mostly everything else seems similar.

charlea

having read through most of the last years post on here im still a bit baffeled
i have two Dogue de Bordeaux puppies Spooks & Narca that i wish to ensure at the moment Argos platinum is coming up the best with lifetime cover for both dogs at 68 a month with 7000 per year each dog

Tesco was an eyewatering jaw dropping 128 per month for similar policy that more than my car insurance

Virgins top policy for both was 42 a month but it wasnt lifetime it was per condition and then it was excluded the following year although reading it seemed like lifetime policy but i rang up to query it and they assured me it was per condition ect

axa nfu john lewis M&S dont have ddb listed they have everthing else but not ddb so i assume they dont insure them

Pet plan was 48 a month for one dog

Anyone have anything to say about argos good or bad
I really want to get them insured within the next few days but want to make sure it the right policy

thanks

Bromley86

Axa will only cover prescription food up to a cost of £200. Given that Harley has colitis and is on a prescription diet, that £200 limit would be reached in a few short months.

A slow reply, but surely that diet will fall foul of being a pre-existing condition? So no one will pay for it. After all this is "insurance" and not "get someone else to pay for my stuff".

That would be my reply to Weegie as well. Most people will be better off self insuring, but as someone who fell foul of a double hip replacement in our first puppy (something like £12k) I'm a fan of insurance. Mind you, we've been caught out by the Halifax withdrawal (thanks for that - first I'd heard of it!), and that loss of lifetime cover continuity is a real problem. Although Halifax have been real sports with us, we've had the underwriter changed and now they're withdrawing. The company that we used for our younger girl, HSBC, also withdrew. So personally, I'd tend to stick to big names in the future. I've not looked at the market for a while, but to me that means Axa, PetPlan and possibly John Lewis.

@Charlea. Give them a call, it'll be worth it.

zebidee1

Bromley86 wrote: »

A slow reply, but surely that diet will fall foul of being a pre-existing condition?

I realised my error after I wrote that but forgot to go back to change it.

BaileyB

Halifax have now closed their pet insurance, which is very annoying as wanted to stay with the same incase something happens. Lucky our 3 cats have never claimed on it.

Anyone who was with halifax who have you gone with now?

Bromley86

>Anyone who was with halifax who have you gone with now?

Although we haven't moved yet, when the other girl's insurer (HSBC) withdrew, we switched to Axa. As they're their own underwriters, that gives you a measure of lifetime security that's perhaps missing with most of the others.

I included John Lewis as a possible above, but frankly that's based on my perception of their general brand rather than anything else, so there's no guarantee (M&S for example created a big kerfuffle ~4 years ago and there's the Halifax/HSBC withdrawal thing). I'd be pretty sure NFU wouldn't withdraw, but I don't think they do cats.

georgiesmum

I had insurance with tesco for 10 years for 2 cats. They were kittens when i insured them and the first time i tried to claim was when one was 10. it was his teeth and tesco informed me that they didn't cover teeth or ears after the cats were 8.Needless to say it was in the small print. It cost me over £200 to have the cats teeth done and then he got a bad infection in his ears which wasn't covered. So 10 years of paying out. A nice little earner for Tesco.
I believe it is standed practise to do that now as they are the 2 things that are most likely to go wrong. pet insurance is such a con. They know they can get people emotionally with this because we worry about our pets.

INSPIRED

Fat_Cat wrote: »

Does anyone know much about Vets Medi Cover (http://www.vetsmedicover.co.uk/home/)? After having to spend £1,200 for my cat's operation this week and only having a quarter put away from monthly payments, I think I need insurance for the future!

They seem a lot cheaper than PetPlan and just want to know if anyone has experience of them?

Thanks!

Many thanks for this; it looks good. However, it will not insure dogs over 8 years old

INSPIRED

Has any one had any dealing with Protect your bubble for Pet Insurance?

Our dog is 12yrs 5mths old and has been healthy all her life but 2 years ago had to have ops on both hind legs. Our current insurance renewal has just come in for £115 per month, £70 excess + 25% - just not affordable.

Many insurers will not quote for an elderly dog but my searches have thrown up Protect your Bubble. They have quoted £33.28 per month, £7500 per year for each condition, ongoing. £75 excess + 15%. Excluding all previous conditons of course.

£33.28 per month plus £27.00 per month for her current medicine sounds much more affordable.

Any thoughts or information would be gratefully received.

INSPIRED

INSPIRED wrote: »

Has any one had any dealing with Protect your bubble for Pet Insurance?

Our dog is 12yrs 5mths old and has been healthy all her life but 2 years ago had to have ops on both hind legs. Our current insurance renewal has just come in for £115 per month, £70 excess + 25% - just not affordable.

Many insurers will not quote for an elderly dog but my searches have thrown up Protect your Bubble. They have quoted £33.28 per month, £7500 per year for each condition, ongoing. £75 excess + 15%. Excluding all previous conditons of course.

£33.28 per month plus £27.00 per month for her current medicine sounds much more affordable.

Any thoughts or information would be gratefully received.

Okay - nobody has any thoughts on Protect Your Bubble and, having read reviews on here and a couple of review sites on the web, I can see why.

One of our other dogs was with AXA until he died in July and I never had any problem with them. Never queried the claims and payed promptly. However, there are some terrible reviews on the the review websites. So who do I believe?

On my shortlist, I had Animal Friends and More Than. Animal Friends has had terrible reviews but More Than appears to be okay.

As our dog is 12 + we have to be very careful here. She may live at least another 2 more years and anything could happen. The shortlist is these 4 as very few insurance companies will cover her.

Any thoughts/input?

Many thanks.