Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

Liza_2

Sorry, if I am not very clear (it must be my age!) But you can claim up to £6,500 per condition whether it is in one year or carries on into other years.

I asked them (after checking on this site!) if my dog was diagnosed with artrhitus and he said it would be up to £6,500 only and once you had got over £6,500 for treating that condition then you wouldn't be able to claim anymore. I asked several times and said are you sure? He was really sure.

Maybe you are right - I should give them another ring and see what another operator says.

Thank you for answering.

Liza_2

Liza wrote: »

Sorry, if I am not very clear (it must be my age!) But you can claim up to £6,500 per condition whether it is in one year or carries on into other years.

I asked them (after checking on this site!) if my dog was diagnosed with artrhitus and he said it would be up to £6,500 only and once you had got over £6,500 for treating that condition then you wouldn't be able to claim anymore. I asked several times and said are you sure? He was really sure.

Maybe you are right - I should give them another ring and see what another operator says.

Thank you for answering.

Sorry - so when Sainsburys told me it is a 'for life' policy , in actual fact it is not. It is only up to £6,500 which can run into other years, but not necessarily for life. So they are wrong when they said it is a 'for life' policy.

THANK YOU

pboae

There is a lot of confusion over the way it is described, because there are no official/recognised terms for the various policies.

A 'for life' policy to mean you are covered for mutiple years, as distinct from the policies that pay per condition but only for one year.

Then you have a seperate issue of limits being per illness/condition, and whether the limit is per year and renewed each year, or the limit is a lifetime limit (as it is with Sainsburys).

In either case they can call it a 'for life' policy.

The only way you can tell what a policy actually covers is by reading the small print.

It is very confusing, and I do wonder if it is done on purpose to make it hard for people to compare policies easily.

Droopyk

Hi.... I'm the proud owner of a long haired weimeraner,who has always used Petplan; i currently pay nearly £565.00 per year, but the policy is soon up for renewal. My question is how good is M&S?.... The quote given is a little cheaper than Petplan, any advice would begreatfully received....
Thanks in advance Karl

pboae

IMHO there isn't a lot to choose between them, except that M&S have an option to have no excess on the policy. *But* have you ever claimed on the insurance for your dog? Or had treatment that was below the cost of the excess? As any previous illness or accident will be excluded by other insurers.

Even a really minor incident (like grass seed in a paw) can cause big problems as some insurers will exclude any future problems with that paw, or any paw, (so if he got run over and hurt his paw it wouldn't be covered). Whereas some insurers would just exclude any problems arising from that one incident. But you always need to get it clarified in writing in advance so you know exactly what is excluded.

If your dog has never needed vet treatment, then there is no reason why you shouldn't change. You could also get a quote off NFU, I don't know much about them, but they get good reports on here.

melbury

Currently with M&S, but their premiums have rocketed so am looking for reasonable insurance for my two dogs, preferably with cover that pays per condition for ever rather than just 12 months.

Any recommendations would be appreciated.

Thanks,

JBEILBY

Hi fellow pet owners

Have just had my Jaspurr's renewal in and it's up over 30% bearing in mind he's just turned 5 and no claims in the past year. The cost is around £180 for super cover and as I am retiring at the end of the month and all the pennies need to count now, and before you mention that company that deals with people of a certain age - that's the one increasing the premium by over 30% - so has anyone else seen such a steep rise this year. Am starting to shop around now so any comments would be much appreciated.
Thanks in advance

walwin

Hi,

I took out insurance with M & S in May for my cat who is 8. She's never been insured before, but never needed vet's treatment either. I went for paying no excess (only a fiver dearer) and it's less than 65.00 per year for excellent cover.
We do live in a very rural area, so perhaps that has a bearing on the cost of the premium but I think it's worth getting a quote with them. Do it online, it's cheaper, 10% if I remember correctly.

I'm sure you'll get it loads cheaper than you've been quoted.

JBEILBY

Hi Walwin

yes the location must be a large factor since M & S quote £155 for me so only saving about £25-I live in an outer London borough. I do wish they start to include a 'no claims bonus' type of clause though.

fozzyb1

I live in Milton Keynes & took out pet insurance for my 4 and a half year old cat a month ago on the internet, with no excess for £65. I cancelled this though as I decided to get her injections done first before taking out the cover. I have tried to take out exactly the same cover today on the website and have been quoted £92. I rang M & S to find out why there was a increase of 41% in the pricing and they have told me that they recently increased their pricing.