E & L Pet insurance

cazziebo

I used to be with Petplan and found them really efficient. My vets dealt with them directly which meant I didn't have to pay anything other than any excess. Petplan settled directly. Very courteous.

However, following advice on here I moved to M&S who were half the cost and actually offer more, and there is no excess to pay. I will have to pay and then claim back so if there is a major claim I'm in trouble but hopefully my 4 year old Old English Sheepdog will stay fit and healthy.

E&L sound a nightmare.

inthegreen

This is the one area where I have been stung. I looked at all my insurances and got the best quotes and insured my horse with E+L. Biggest mistake of my life. My horse fell ill 4 months after purchasing (had full vetting) following £2000 of investigations, treatment etc I had to have him put down. Despite reporting E&L to the FSA for several breaches and going to the insurance ombudsmen it took them 5 months to pay £500 of the claim. They refused to pay the rest and also refused to pay out the cost of the horse for which I was insured (on their platinum option!!!) I tried everything but could not make them pay and I ended up paying £1500 to the vets who got their solicitor to threaten to take me to court as I couldn't pay within 28 days of the horse being put down. I also lost £3000 it cost to buy the horse. I now loan a horse (paying off the rest of my debt first before saving for another one) and I insure her with NFU who charge me twice as much as E&L but who seem to pay out with no fuss. Sometimes when you are trying to save money cheapest is the most expensive

pboae

NFU do do pet insurance, and they have a good reputation as well, along with M&S and Pet Plan.

There's always people on the insurance boards asking/recommending E&L, but they have such a bad reputation for stunts like this I wouldn't touch them. :-(

Glad you got your money in the end though.