Pet Insurance....!

Nomad25

Hi folks, have just posted on the other thread re pet insurance cost cutting which has a lot more info and irate posters! - it may be helpful if you viewedthis as well or maybe threads could be merged.

In_Search_Of_Me

Hi all,
Just a note to beware if you're changing and look carefully at the wording of the policy for life of pet not annual renewal, which many (including tecso) have. If oet has pre-existing condition then the new policy will exclude this so you need to balance up the benefit of changing with exclusion of a medical condition as ou will have to pay any money relating to that. Re M&S I swapped last year but at renewal they bumped the premium up I ended going back to pet plan but have had real probs with their cust service recently so looking around for a better deal...would never not have pet insurance again (lesson learned the hard way) but want one that isnt extortionate but has good cover!

aytch

I have two large dogs, both needing ongoing treatment. One is with for life with Pinnacle - excellent company, cheap and pay out fast. The other is with M&S, and trust me if I could I would dump them like a shot, but as my 2nd dog has an ongoing condition I cannot move as it would be excluded.

As someone has posted, they reel you in with a low first year premium, then in Y2 my premium went up by 130%. I thought it was because I had claimed, but my vet told me the same had happened to most customers. They blame it on the underwriters, my vet said he had been told they were making no profits.

Hope you find a good one.

:beer:

continualdiamond

Have you tried healthy pets? That is who i use and i have my 1 yr old springer spaniel insured for £6.16 a mth on gold cover which has £5,000 for vet fees.

itsgototstop

Hi,

I've got 2 cats, one is 8 the other is 2.

I pay £15 per month for both, had to claim for the older cat last yeat about £1000 and AFI were very good, paid up in 5 weeks.

I'm always thinking of shopping around but older cat is now a no no, younger cat maybe.

However 3 years ago again with animal friends insurance, I had a terminally ill cat with cancer, and they were excellent, paid £1500 out in the end.

I've done a few quidco quotes to see, but I can't get cheaper

itsgototstop

CharliesAngel wrote: »

is your vet sponsored by someone cheaper/can offer discount for three animals on one policy? i've got two kittens but not insured as petplan was too expensive lol. £6000 seems alot of money... something major would have to happen for that!

You say that, but it doesn't take much honestly

the_boy_with_no_name

im with direct line & pay £16 for a 2 year old lab (& she has a ongoing condition) & that is for a life of the pet policy

moneydesperate_x

Hi

I have 3 horses all insured with Pet Plan and they in total only come to £35 a month and this is unlimited, but I do have a high excess of £500 per claim which is how i keep the monthly cost down, but then due to the total amount a horse vet bill can come to (my insurance has paid £4600, £800, and £3100 in the last 5 yearsto Liphook Equine Hospital!)

Dont worry having 3 horses is not how i got into debt!

cmc8484

I would stay put with if you can't get the same cover anywhere else

I'm with petplan and my cat got run over last year breaking his legs and had to have his tail amputated. It cost 1600 in total:eek:

lilmissmup

Sainburys insurance were really good when i had to claim for my 3 month old kitten (now nearly 2), he broke his leg on what would be our ankle and as he was only a baby had to go to a specialist to make sure it healed properly. Luckly the specialist was only 10 miles away but the whole bill was £2250ish!!!! :eek::eek::eek:

I only paid £75 though although did have to pay the total upfront but got it back within a few weeks.

And yes he is worth every penny.