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    • sheramber
    • By sheramber 7th Sep 18, 7:37 PM
    • 7,079 Posts
    • 5,335 Thanks
    sheramber
    Do you mean a cheaper policy?

    Cheap premiums are cheap for a reason.

    All policies will exclude pre existing conditions. But you can sometimes get the exclusion lifted if there has not been ant recurrence or treatment for 2 years.

    What is a good company for one person may not be for another as all companies have their own risk assessments.

    Check out reviews on Google but be aware people tend to complain rather than praise. However, you can assess whether you think the complaint is justified or has the complainer not read the policy document carefully or mis understood it.

    Stay away for any that are connected with E&L who have a reputation of finding reasons for not paying out.

    Check out Bought By Many who have introduced new policies with interesting conditions.
    • starmanuk
    • By starmanuk 4th Oct 19, 2:55 PM
    • 29 Posts
    • 15 Thanks
    starmanuk
    Bought by Many Pet Insurance
    My moggies are 9 and 10. And this year my insurer Argos has increased the premium by over 40% despite their continuing good health.

    I've looked at Bought by Many and it is a very attractive policy and much cheaper. I'm not interested going cheap on my furbabies lives so am much more interested in how well they work when you need them.

    Feefo has got amazing reviews bought I'm sceptical about online review services.

    So. Is Bought by Many as good as they seem?

    The one item which makes me nervous is the excess which is 69 (reasonable) AND 20% of the treatment. Could be costly?
    Last edited by starmanuk; 04-10-2019 at 2:58 PM.
    • melbury
    • By melbury 4th Oct 19, 7:23 PM
    • 11,602 Posts
    • 20,749 Thanks
    melbury
    My moggies are 9 and 10. And this year my insurer Argos has increased the premium by over 40% despite their continuing good health.

    I've looked at Bought by Many and it is a very attractive policy and much cheaper. I'm not interested going cheap on my furbabies lives so am much more interested in how well they work when you need them.

    Feefo has got amazing reviews bought I'm sceptical about online review services.

    So. Is Bought by Many as good as they seem?

    The one item which makes me nervous is the excess which is 69 (reasonable) AND 20% of the treatment. Could be costly?
    Originally posted by starmanuk
    My dog is insured with Bought by Many and has been since we got him as a puppy - he is two and a half now.

    Last year he had a phase of being a bit lame and had to have some X-rays done, but thankfully nothing bad was found. Anyway Bought by Many paid out in full no trouble.

    I like their online claims system because it is so much easier than having to fill in a paper form and then take it to the vet etc. I just filled in the details online, they contacted the vet direct and then paid them direct (minus the excess of course). The whole process only took a few weeks.

    All I can say is that my experience of claiming from them was brilliant, no problem at all.
    Last edited by melbury; 05-10-2019 at 2:16 PM.
    Stopped smoking 27/12/2007, but could start again at any time

    • KxMx
    • By KxMx 4th Oct 19, 8:08 PM
    • 7,665 Posts
    • 11,246 Thanks
    KxMx
    My moggies are 9 and 10. And this year my insurer Argos has increased the premium by over 40% despite their continuing good health.

    I've looked at Bought by Many and it is a very attractive policy and much cheaper. I'm not interested going cheap on my furbabies lives so am much more interested in how well they work when you need them.

    Feefo has got amazing reviews bought I'm sceptical about online review services.

    So. Is Bought by Many as good as they seem?

    The one item which makes me nervous is the excess which is 69 (reasonable) AND 20% of the treatment. Could be costly?
    Originally posted by starmanuk
    When Pet Plan introduced the 20% + excess due to my cats age, I calculated 20% of the maximum policy cover (7k) as being 1400. I decided in a pinch I could afford that for 1-2 years.

    In the event my late cat needed a specialist Vet. It is rare but I never thought it would happen to us! That claim alone was 3000 (tests, an overnight stay) so my liability was 600 + the 115 excess. Bad timing meant the policy renewed after my Local Vet and before the specialist, so two excesses were payable.

    Yes it got costly but I had decided previously I could afford it.
    Last edited by KxMx; 04-10-2019 at 8:12 PM.
    • poshphil
    • By poshphil 17th Oct 19, 9:27 AM
    • 31 Posts
    • 5 Thanks
    poshphil
    We have recently received our renewal for our cat who is now 10. He's always been insured with Tesco and has had a fairly big jump in premium this year so I've been exploring other options.

    I have always been wary of switching as he had an accident when he was fairly young where I think (from memory) one of his back legs got broken at the hip joint (I have the receipt for the operation at home). I am trying to work out how this would be treated in terms of a pre-existing condition. Obviously he had the operation and has been fine for a number of years, but if he started to develop say arthritis in that hip, would that fall outside the policy due to the accident?
    • toshkininny
    • By toshkininny 17th Oct 19, 9:48 AM
    • 1,139 Posts
    • 624 Thanks
    toshkininny
    I would try the comparison websites notifying them of everything that you have mentioned and then get the quotes - then I would do exactly the same with a pretend cat, same info apart from the accident, then the results will tell you.
    • sheramber
    • By sheramber 17th Oct 19, 1:43 PM
    • 7,079 Posts
    • 5,335 Thanks
    sheramber
    We have recently received our renewal for our cat who is now 10. He's always been insured with Tesco and has had a fairly big jump in premium this year so I've been exploring other options.

    I have always been wary of switching as he had an accident when he was fairly young where I think (from memory) one of his back legs got broken at the hip joint (I have the receipt for the operation at home). I am trying to work out how this would be treated in terms of a pre-existing condition. Obviously he had the operation and has been fine for a number of years, but if he started to develop say arthritis in that hip, would that fall outside the policy due to the accident?
    Originally posted by poshphil
    YES, anything that can be related to a previous condition/injury would be excluded so arthritis would come under that exclusion.

    You could compare the estimated cost of any ongoing medicine for arthritis and the cost of the new premiums.
    Although another company would exclude it, it may still be cost effective to change and pay for any treatment needed for any arthritis that may or may not arise. You would still be covered for anything that arose.
    • sheramber
    • By sheramber 17th Oct 19, 1:44 PM
    • 7,079 Posts
    • 5,335 Thanks
    sheramber
    I would try the comparison websites notifying them of everything that you have mentioned and then get the quotes - then I would do exactly the same with a pretend cat, same info apart from the accident, then the results will tell you.
    Originally posted by toshkininny

    Pet insurance doesn't work like that. The premium stays the same but any claim for anything related to a previous condition is excluded.
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