Pet Insurance guide discussion area

sheramber

Bought by Many have recently introduced their own policies.

melbury

LusciousLuce wrote: »

The Value policy from Bought My Many sounds suspiciously like it could be a 12m policy - these types of policy are often given names like 'value' and 'essential'. I don't wish to insult you by suggesting you haven't done your research, but are you sure you understand the ramifications of this type of cover, especially with a puppy? My advice would definitely be to look for a lifetime renewing benefit policy, or at a pinch a maximum benefit policy with a very large vet's fees benefit.

Also, your policy is unlikely to be with Bought My Many - I think they mainly sell you insurance policies from other companies, e.g. More Than. So it would be More Than or whoever that you claim through.

This is a policy that is definitely with Bought By Many - they have recently introduced a number of their own policies.

Yes I was completely aware that it is a 12 month policy covering vet fees up to £3,000. I decided that for a puppy this would (hopefully) be sufficient cover. I didn't want to start paying an exorbitant rate at this early stage:eek:

sheramber

melbury wrote: »

This is a policy that is definitely with Bought By Many - they have recently introduced a number of their own policies.

Yes I was completely aware that it is a 12 month policy covering vet fees up to £3,000. I decided that for a puppy this would (hopefully) be sufficient cover. I didn't want to start paying an exorbitant rate at this early stage:eek:

As long as you aware that anything arising during the 12months will be pre existing condition in future or if you change companies. So a broken leg could lead to arthritis in later life. The treatment for arthritis in that leg would be considered a pre existing condition and excluded.

aylesby

I do like this tread but it is getting messy as it lengthens. The wisdom seems to suggest that if you want full insurance go with Petplan and expect to pay them more in expectation of their quality claim support.
Any cheaper insurers get a recommendation?

dirtmother

melbury wrote: »

This is a policy that is definitely with Bought By Many - they have recently introduced a number of their own policies.

Yes I was completely aware that it is a 12 month policy covering vet fees up to £3,000. I decided that for a puppy this would (hopefully) be sufficient cover. I didn't want to start paying an exorbitant rate at this early stage:eek:

The premiums may seem affordable but I wouldn't think it was worth the money for that level of cover. Although I don't have insurance now I did have it for my dog's earliest years when congenital, long term but not life threatening (unless I couldn't pay) conditions might reveal themselves.

PhiltheBear

aylesby wrote: »

I do like this tread but it is getting messy as it lengthens. The wisdom seems to suggest that if you want full insurance go with Petplan and expect to pay them more in expectation of their quality claim support.
Any cheaper insurers get a recommendation?

That's pretty much the accepted wisdom. The best policy is a genuine lifetime e.g. it renews every year to cover everything. The next best is a 'per condition' which pays out up to a pre-agreed amount for anyone condition. Be careful - some companies call this a 'lifetime' policy - it isn't because they'll only cover any one condition up to a monetary limit. The third - and by far the worst - is an 'annual' policy which, if you make any claim, will mean that condition will be excluded for the rest of the animal's life - with any and every insurer.

Pet Plan's major advantage is that they very seldom query a claim and that, in the unfortunate event of your pet dying, they won't make you pay the premiums for the rest of the year. The major disadvantage is they are expensive and have comparatively high excesses.

If you want a Pet Plan policy but with lower cover - try the Co-op. It's the same policy from the same people but with a lower amount claimable.

devils_vixen

Is pet insurance like car insurance where you can go with a different provider? Bought a pup a year ago and signed up for more than's premier policy. The renewal came through the door and one thing I noticed is they now no longer offer cover for cruicate ligament damage no matter how it becomes damaged? To be fair I had to google to see what it was and suppose it's probably vital to some breeds of dogs to have this cover?
My premium has also went up so did a quick quote online and fancied the John Lewis premier but have no idea if I can change?
My dog is in good health and I haven't had to claim and hopefully it'll stay that way. Hoping I can change as all the bills seem to be going up yet the wages are staying the same :-(

LusciousLuce

You can change insurance companies if you want to, that's your prerogative. But as discussed on here many, many times you won't be covered by the new insurer for any conditions your pet already has. Doesn't have to have been diagnosed with anything - it's signs and symptoms that insurers look at.

John Lewis pet insurance is also administered by the same company as More Than, so any claims will probably be assessed by the same people. Check the policy wording carefully as it may also be quite similar to More Than.

sheramber

devils_vixen wrote: »

Is pet insurance like car insurance where you can go with a different provider? Bought a pup a year ago and signed up for more than's premier policy. The renewal came through the door and one thing I noticed is they now no longer offer cover for cruicate ligament damage no matter how it becomes damaged? To be fair I had to google to see what it was and suppose it's probably vital to some breeds of dogs to have this cover?
My premium has also went up so did a quick quote online and fancied the John Lewis premier but have no idea if I can change?
My dog is in good health and I haven't had to claim and hopefully it'll stay that way. Hoping I can change as all the bills seem to be going up yet the wages are staying the same :-(

Do you meant this statement? It only applies if it happens within the first 14 days of taking out the policy- a standard exclusion period to avoid people taking out cover after they discover a problem.

for cruciate ligaments, if
you
or
your vet
notice any cruciate ligament
problems however caused, including problems caused by
accidents
within the
first 14 days of
your
cover start date in the first
period of insurance
,
we
will
not pay for treatment of these problems or for arthritis or other illness or injury
that develops from them;

Ariel2611

Hi all,
I was wondering... i want to get pet insurance for my one year old cat (moggie)Ariel and i am getting a bit confused as i have never done anything like this before... what do i do?
What does it mean by "vet excess"?
Which cover is best?
My main aim for pet insurance is to cover vet fees for mainly just in case she gets ill and (god forbid) in case she has an accident which is unlikely as she is mainly an indoor cat and only (IF she does go out) goes out and stays in the back garden.
What does it mean by boarding/cattery costs/cover?
I have looked at price comparison sites etc... but i am still very confused
Please help!!!
Many thanks
Ariel2611