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    • mystify5
    • By mystify5 31st May 11, 2:42 PM
    • 5 Posts
    • 1 Thanks
    mystify5
    you get what you pay for
    sitting on the other side of the fence it is realy frustrating when someone has taken the time to get insurance but have ended up with cover or a company that doesn't do the job.

    I think in general you DO get what you pay for. There are companies out there that have reputations for offering great cover at tiny prices and this is because they very rarely pay out.

    As a profession we are not really permitted to advise over who to use due to the perceived conflict of interest for vets recommending insurance. That said, we can give general advice and either before you look or once you have selected your insurer pop in an ask you vet if company x is any good and if they do direct claims with them - either the look on their face may give you the answer or they may diplomatically explain that the would not make direct claims in which case that'll probably tell you if you need to think again.

    generally, if nothing else, you need:
    1) life cover - this will cover for ongoing conditions for life
    2) good limits - 1-2000 is very quickly reached these days
    • orlao
    • By orlao 31st May 11, 3:56 PM
    • 1,065 Posts
    • 2,312 Thanks
    orlao
    The only animal insurance I can comment on is horse insurance.

    JMHO

    Petplan - very good for veterans (over 16's) and not as dear as you would expect. Vets sigh with relief when you say that's who you are insured with as they aim to pay within a week. They are underwritten by Aviva.

    NFU - used to be very good but have got very nit picky (and expensive at renewal) over the past couple of years and use an agent to manage claims which means they are slow to pay out. If you do decide to go with them, get your policy through one of their offices rather than on the national 0800 number - IME the call centre are inaccurate with info and very, very ditsy...

    KBIS, Stoneways and Carriageway all get good reviews from owners but I always found them very expensive for an average happy hacker type, think they're geared to valuable competition horses.

    I looked at Animals Friends and had never heard of their underwriter so steared clear - once bitten twice shy and all that

    E&L and anybody underwritten by them - avoid. There are reports that they have improved but TBH even if they have improved 100% from a couple of years ago they will still be !!!!.

    Other info

    There is no life long insurance with horses sadly - 12 months only from onset of condition.

    Any previous illness/injury will be excluded plus anything that might be linked to the previous injury.Sometimes you can challenge an exclusion with support of your vet but it's rare.

    Travel and stabling at the vets isn't usually included - with horses that can cost hundreds especially if you are referred to somewhere like Newmarket and have to hire transport. Ask me how I know! A horse staying at the vets will cost anything from £30 - £100 per night.

    PetPlan cover MRI scans - NFU only pay 50%

    Most policies willl cover remedial treatment - remedial farrier, physio etc but only on veterinary advice.

    £5k is the normal limit for vet cover but it is easy to spend that and more on a single colic op and that's your limit for the year not per condition.

    Excesses are anything from £125 - £2K

    You can join WHW, BSJA or take BHS Gold membership for public liability cover but they have a £1k excess and you have to try and claim on any other insurance including household before they will pay out.

    If you want to change insurer and the horse is over a certain age or value they may ask you to have a 5 stage vetting done (£200) before they will issue a policy - of course anything mentioned on the vetting is automatically excluded.
  • mairinaineelizabethosborn
    can anyone suggest a\ good savings account?
    Thanks for that, I was really leaning towards self insuring but wondered if I was being foolish. I used to have 4 cats (now with the ex) and to this day (after 10 years) they've incurred very little or no vet fees at all. I now have a kitten and will be doing what you advise, £10 per month in a savings account. I am skint, but not in debt, so if I did need emergency treatment costing hundreds/thousands of pounds in the near future then I'd rather borrow the money from my bank to be honest!
    Originally posted by Sharada

    I am thinking of a savings account as well. Don't know my way around this area at all as I have never saved in my life! would anyone know a good place to put say 10/20 quid a month.
    And is there a time limit before withdrawing the money should it be needed, would a vet be prepared to wait if say the savings account needed notice before giving me my cash to pay the vet?
    Many thanks for any ideas or thoughts on this area.
  • I_am_mad
    Pets at Home Insurance
    Hi

    I am looking to get my dog and new cat insured and was wondering if any one would be able to give me any advice on the Pets at Home insurance and if it is any good? I have had a good look and if you go for the most expensive cover then it covers for lifetime illnesses as long as you renew and pay the insurance premiums. Basically I am looking for an insurer who will pay life time cover and not limit it just in case on of my babies get an illness that needs constant treatment?

    Thank you
    Has saved so much money since joining this forum, thanks to all you kind people out there
    • melbury
    • By melbury 4th Jun 11, 12:51 PM
    • 11,626 Posts
    • 20,830 Thanks
    melbury
    I am totally stressed out about pet insurance!

    My dog has an ongoing condition (vet bills of £2000 in the past 12 months) and my insurer for the past four years - PETGUARD - have gone belly up. Received letter today confirming that are no longer able to offer pet insurance as their underwriters NIG have pulled out and my dog will be uninsured in a couple of weeks time.

    Of course no other company will cover any pre-existing conditions, so I really don't know what to do. Will any other company even take him on?

    Any advice would be greatly appreciated.

    Thanks.
    Stopped smoking 27/12/2007, but could start again at any time

  • natcurrie
    Premium Hikes....beware
    Just wanted to share my experience with M&S pet insurance. I have 2 boxers. I've claimed now and then for things over the past 4 years, nothing major though. Last year it was disovered that one of my dogs has a food allergy (to nearly everything! great!), anyways the bill was only a few hundred quid but it spanned over one renewal year to the next so I had 2 lots of excesses to pay £140. Sorry, I'll get to the point! My insurance started off about £25 for each dog, lifetime cover (as I've been caught out before with other types of insurance and wouldn't buy anything other than lifetime insurance). Last year I was paying £30 a month for each dog and today received my renewals notice.....£37pm for one dog and £47pm for the other.

    I know one of my dogs has an ongoing condition but at the mo she's not on medication. There's no way I'm paying M&S those kind of fees when I've probably only claimed about £500 for both dogs in the past 4 yrs. WHAT A RIP OFF!

    Currently looking around for other insurance, I'll take my risks with my dog not being covered for allergies in future.

    Just wanted to share my experience with M&S, wouldn't recommend them to anyone!
    • Greenst
    • By Greenst 4th Aug 11, 12:50 PM
    • 217 Posts
    • 235 Thanks
    Greenst
    Horse insurance
    I would like you to add NFU to the horse insurance section. I had a horse (unfortunately I had to make the extremely sad decision to sell him as due to the economic situation I couldn't afford to keep him) but while I had him he had 2 fairly major problems, one was a fractured leg he got when he was kicked in the field and another a few years later was a problem in his hoof.

    Both times I claimed from my NFU policy and I couldn't rate them higher.

    They were very kind and sympathetic on the phone especially with the leg problem. As I am sure you can understand I was distraught at the time, they dealt with the vets, transport costs, over night stays at the vet college where he was sent and any further vet fees that occurred due to vets having to come out daily in the beginning of his treatment to having to come again daily to sedate him when it was time for him to start walking out due to him having been on box (stable) rest for about 18 weeks.

    The second time I had to claim for the hoof problem they were more than helpful and said I could even claim for corrective shoeing, of which I was unaware. Thankfully I didn't need to do that but on both occasions the people on the phone were extremely knowledgeable and had horses themselves and completely understood the conditions and how I was feeling.

    When I cancelled the policy I was in tears as I didn't want to have to sell my horse, the woman was so kind and said she was extremely sorry and if I got a horse again in the future she hoped that I would come back to them.

    I have since recommended NFU to anyone I know who is looking to insure their horse, they may not be the cheapest but they have given me and others excellent service which I think is worth more than saving a few pounds on a policy when you have a large animal and could be in a very distressing situation.
    • Greenst
    • By Greenst 4th Aug 11, 12:58 PM
    • 217 Posts
    • 235 Thanks
    Greenst
    Horse insurance
    Orlao
    Not sure if you meant Carridge house insurance not carridge ways?

    Anyway a friend of mine had to make a very large claim with Carridge House insurance as her horse had kissing spines, she couldn't rate them higher, they were fast efficient and extremely helpful and paid up all the costs without any problems. She had to pay out for transport to get the horse to Gloucestershire where the operation took place and they paid for that too. All the after care and physiotherapy back at the horses yard.

    So along with my recommendation for NFU hope that's of some help to others out there!!
    • buckrogers
    • By buckrogers 10th Nov 11, 7:19 PM
    • 813 Posts
    • 904 Thanks
    buckrogers
    Hi all, need some advice please,
    our dog insurance is due at the end of month with M&S.
    Vet fees of up to £7,000 each year for premier cover which we have for which is now £191.88 a year form £157 from last year.



    But looking at More than , it looks the same policy but cheaper £115 a year

    Up to £7,000 vets fees cover for each and every new accident and illness.
    What’s more, your pet is covered for as long as they need the treatment, as long as they remain insured with MORE TH>N – many policies limit cover to just the first 12 months of treatment
    Obtain a cheap pet insurance quotes from us and it will include cover of up to £7,000 ongoing vet fees cover for each and every new injury or illness should your pet require medical attention. Our MORE TH>N Pet Insurance will also cover you over the course of the treatment – there is no 12 month limit which may be the case with cheap pet insurance.

    i cant see any differance with both policys, so can anyone advice if i am missing something is it a good deal/price??

    thankyou
  • lisajane8482
    I insured my kitten with Argos Pet Insurance and recently had to claim as het ate lilies, they say on their website nad policy documents that "under normal circumstances payment is made within 10 days". Well it's been nearly 4 weeks since they received the forms, I got a letter a week ago stating they were sending payment out and I still have not received a cheque. When I rang them today I was told that it is yet to be underwritten which will be done in the next couple of days to a week. So I would advise reading reviews carefully, which I did and ignored. Hindsight is a great thing.
    • albacookie
    • By albacookie 21st Nov 11, 8:01 PM
    • 268 Posts
    • 1,201 Thanks
    albacookie
    Hi all, need some advice please,
    our dog insurance is due at the end of month with M&S.
    Vet fees of up to £7,000 each year for premier cover which we have for which is now £191.88 a year form £157 from last year.



    But looking at More than , it looks the same policy but cheaper £115 a year

    Up to £7,000 vets fees cover for each and every new accident and illness.
    What’s more, your pet is covered for as long as they need the treatment, as long as they remain insured with MORE TH>N – many policies limit cover to just the first 12 months of treatment
    Obtain a cheap pet insurance quotes from us and it will include cover of up to £7,000 ongoing vet fees cover for each and every new injury or illness should your pet require medical attention. Our MORE TH>N Pet Insurance will also cover you over the course of the treatment – there is no 12 month limit which may be the case with cheap pet insurance.

    i cant see any differance with both policys, so can anyone advice if i am missing something is it a good deal/price??

    thankyou
    Originally posted by buckrogers
    With M+S it looks like you get £7000 every year - so if you need to claim for a condition for the next 5 years you could claim up to £35,000 if you need to. With More Than there is no time limit but the maximum you can claim is £7000 total so once you hit that you'll need to cover ongoing costs.
    ......
  • mikesten
    Thanks for that, I was really leaning towards self insuring but wondered if I was being foolish. I used to have 4 cats (now with the ex) and to this day (after 10 years) they've incurred very little or no vet fees at all. I now have a kitten and will be doing what you advise, £10 per month in a savings account. I am skint, but not in debt, so if I did need emergency treatment costing hundreds/thousands of pounds in the near future then I'd rather borrow the money from my bank to be honest!
    Originally posted by Sharada
    But what happens if your bank refuses to lend you any money? If you're skint the likelihood of getting a loan in the current climate must be slim.
    I've paid £12 a month for 3 years for my two cats to Tesco Insurance - a total of a little over £420.
    One of my cats this week got into a fight with a neighbours cat and severely damaged his eye. He is having an operation today, and with drugs etc this will cost my insurers in excess of £2000.
    If I borrowed that off the bank it would cost me interest, and possibly over 3 years about £3000, a similar amount with a credit card.

    If I'd put a tenner away it wouldn't come anywhere near the amount I need.

    To say you've never had any illnesses or accidents is fine, but you never know what's round the corner (- in my cat's case it was next doors's cat ) but seriously consider even 3rd party insurance.
  • MOGGYMALONE
    Are there any policies for pet insurance on which you can have both the dog and cat together? I currently have mine with two different companies and thought it might be easier to have them both covered together and have renewal once a year etc. just to simplify life
    Moggy
    • NevGeorge
    • By NevGeorge 25th Jan 12, 9:51 AM
    • 28 Posts
    • 58 Thanks
    NevGeorge
    Not easy to afford when unemployed
    I have been everywhere to try and get good pet insurance at a price that I can afford with my wife being on pension and myself being unemployed. We are totally max'd out with insurance, Life insurance, car insurance, house and contents insurance, boiler insurance, if we keep adding insurance we would be splitting a bean for our daily meal.

    We have no debt but we simply cannot afford more insurance unless the damn insurance companies got real with the premiums and brought them down to a reasonable level.

    Pet insurance I would get but not until I can get a job.
  • thebarefootchef
    "Dogs need legal Insurance"

    But in the name of sanity don't pay for it, it's included in your buildings and / or contents insurance.
    There's always a liability section of a million or so quid.
    It doesn't just cover tiles falling on folk's heads it's there for when your dog runs across the road & causes accident or bites postman.

    & really don't bother insuring animals, vets will charge three times as much for an insured animal as for one which is not.

    £50 gets anything put down.

    barefoot Bargins
  • Chilli1
    Cheap pet insurance is rarely the best deal
    I have been a vet nurse for a number of years. I deal with pet insurance policies all the time. I would urge people never to buy a policy because it is cheap but to look for lifetime cover for ongoing conditions, ask whether they increase premiums based on claims you have made as this could double of triple your premiums,whether they cover congenital or hereditary conditions and how long you have got to put in a claim. Your vet may be able to give you more comprehensive advice but the cheaper the policy, the less it will cover long term.
  • Stanley45
    Cheap is not always best - read the small print!
    I feel so sorry for pet owners who have taken out pet insurance in good faith only to find that when the time comes the insurance company will not pay out. It is a terribly emotional time when decisions have to be made about a sick pet, even more so when they give consent to vets to go ahead with expensive treatment and then find out that the insurance company won't pay out and they are left with a large bill to pay.
    Also be aware that pre-authorisation is not usually possible in emergency situations (and these are often the most expensive) as insurance companies often take up to 10 days to process them.
    Many companies are now quibbling about paying for even very small items on vet's bills.
    Just an example of why cheapest is not always best - Animal Friends market cheap policies but they also have a limit on vet fees they will cover, for example, intensive care charges that they will pay out is only £100 per day. This is not clear at the time the policy is started. £100 per day is not even close to what it will cost for intensive care treatment in a specialist hospital, leaving the pet owner with a very large bill to pay. This is one of the reasons that vets will not do direct claims on behalf of owners.
    It's often more cost effective to take out a more expensive policy with an insurance company that will pay up and pay promptly so that vets can do direct claims and the owners don't have to find the money first. In pet insurance, unlike some other types of insurance- you get what you pay for.
    • spaceboy
    • By spaceboy 28th Jan 12, 11:23 PM
    • 1,797 Posts
    • 282 Thanks
    spaceboy
    We just got a kitten and I'm considering putting £10 away in an account each month to cover future vet bills. Anyone think this is a reasonable idea?
    • UKTigerlily
    • By UKTigerlily 30th Jan 12, 1:27 AM
    • 4,514 Posts
    • 5,690 Thanks
    UKTigerlily
    I think the problem with putting £10 a month away is firstly, if you save for 4 months (£40) & then the kitten has a £2k vet bill you won't have enough. Secondly once used it's at £0 so should the kitten then do something else you will be stuck & also you may end up spending it on something else if another emergency crops up. It is definitely tempting, i've had my cat for almost 12 years, she's nearly 14 & has had hardly anything wrong & even less costing over the excess, in fact I think i've never claimed for her as the problems costing enough to claim for were all dentals. However the dog i've had for three years & she's always at the vets, currently she may need to go in for sedation for the day at an estimate of £160, already paid out £62 & this is just her latest issue. A few months back a dog attacked her & cost me £125 etc.
    • spaceboy
    • By spaceboy 30th Jan 12, 7:49 AM
    • 1,797 Posts
    • 282 Thanks
    spaceboy
    How likely is a £2k vet bill?
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