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    • D&DD
    • By D&DD 30th Jan 12, 8:05 AM
    • 4,337 Posts
    • 29,931 Thanks
    We are with Virgin and they have been really good.
    A lot of companies won't even insure my breed but they are (I think) pretty reasonable and pay out super quick too.
    I was paying 24 a month but claimed back over 600 in the 1st year,this year our premiums only went up to 32 which for a high maintenance breed I don't think is too bad.
    • sooty&sweep
    • By sooty&sweep 30th Jan 12, 3:37 PM
    • 1,268 Posts
    • 1,504 Thanks

    I'm trying to sort out Pet Insurance for my three cats. We were with Halifax (now BDML) but the premium has gone up to just over 10 each so I'm planning to shift insurance companies. It is proving to be challenging in terms of finding a decent policy at a reasonable price.
    I totally accept that you get what you pay for so I'm not looking for the cheapest I can find but my three cats are 4 year old moggies with no history of illness so I don't want to pay a fortune either.
    The price comparison sites are useful in terms of comparing prices but no reference to other issues such as quality of cover, direct payment to the vet for expensive procedures, using sneaky tricks to avoid paying out and speed of paying out.
    I've been having a look at this website Does anyone have any experience of this website ? Is it any good ?
    I'd been intending to take out insurance with Aviva but based on the reviews here I'm having second thoughts !!
    If anyone can recommend a decent policy for three cats then all advice appreciated.

    • UKTigerlily
    • By UKTigerlily 30th Jan 12, 9:03 PM
    • 4,512 Posts
    • 5,690 Thanks
    How likely is a 2k vet bill?
    Originally posted by spaceboy
    Who knows, my Cousins cat got run over & needed plastic surgery/skin grafts. Two Aunts have both had more than that & someone on here I believe had about 12k in 18 months. It's not unusual, as to whether it will happen nobody knows
  • vetontheweb
    To see it, go here

    If you have any suggestions for improvements, extra insurers or comparisons we should consider, or experiences that you think would help make the guide better, we would love to hear them - just reply in this thread.

    Originally posted by MSE Dan
    As a vet, probably the biggest problem we see with pet insurance is the unreasonably long time taken by some insurers to settle claims, and increasingly the unreasonable level of quibbling over claims. It is the issue of prolonged claim time which prevents many vets ( including ourselves) from accepting direct claims.
    It may be useful for MSE to set up a spreadsheet questionaire on Pet insurance claim settlements. The results gleaned would give useful further information on which insurers to avoid - and may well improve the behaviour of some!
  • vetontheweb

    The price comparison sites are useful in terms of comparing prices but no reference to other issues such as quality of cover, direct payment to the vet for expensive procedures, using sneaky tricks to avoid paying out and speed of paying out.

    Originally posted by sooty&sweep
    Absolutely spot on! Most insurers offer direct claims and some use it to promote themselves. However it's not for them to decide! They cannot impose direct claims on any veterinary practice. And their claims behaviour can mitigate against it. Indeed one company has made it clear that direct claims will go to the bottom of the pile and that claims to members of the public are prioritised. This encourages us(vets) to get the public to sort their own claims with their chosen companies, knowing that the matter will be settled as fast as possible by that route - though that doesn't mean it will be fast! If vets accept direct claims en masse, it leads to a lot of outstanding debt, which forces up fees for all clients - whether insured or not. And in turn, that will force up insurance costs. The message is for the insurance companies to improve their claims turnaround across the board - and some are.
    • diceydeb
    • By diceydeb 10th Feb 12, 7:27 PM
    • 153 Posts
    • 125 Thanks
    Both my sister and I had our dogs insured with Direct Line. Mine needed an op to correct entropian eye lids ( @1000 ) he was 12 months old and also had to have cryptoid castration because his testicles were stuck up in his abdomen . Direct line would not pay because my dog had been seen for a weepy eye at his first vet check at 12 weeks old ! And my sister who had been paying premiums for 6 yrs with no claims had pd out cash for several treatments for ear wax trouble on her alsation to find 2 yrs later it needed an op to remove a haematoma (4000 ) having been told it would be covered , finds after the op they will not pay out ! WHY! cos they say she should have claimed 3 yrs ago because thats when the ear problems started! We are both livid with direct line and have cancelled our policies.
  • Pepper-VN
    The premiums go up and up every year regardless of how old your pet is when you join. ....

    Please please take my advice, put a tenner a month into a savings account instead. If you need it you've got it, if you don't then you can treat yourself and your furry friend!
    Originally posted by BeckiW
    Unfortunally this is called inflation and happens with anything- yes some companys do go up more than others but prices of most things go up each year.

    So what happens if your putting 10 asside a month and a year down the line your pet gets serious vomiting and needs to be put on a drip, medications and needs to be observed for 3-4 days? You have 120 to pay a possible 500 - 1000 bill depending on the size of the pet.

    I would never advise this to anyone unless you had a large lump sum to start the savings account and even then you risk not having the money to treat your beloved pet
  • Pepper-VN
    Diceydeb- Please look into Pet plan, they will often look into insuring against pre-existing conditions if they have been symptom free for a certian amount of time... this is not ideal for some ongoing conditions, but for stuff they have had in the past its quite good to know they may cover them again- god forbid they get it again.
    • scrabblers
    • By scrabblers 16th Apr 12, 4:29 PM
    • 18 Posts
    • 2 Thanks
    I'm looking for new insurance for my cats after the Halifax debacle. One of the 'small print' things for which I wanted to watch out was the requirement to pay a contribution of vets' fees once they are a certain age ... I've not been able to find ANY insurer who doesn't now require this.
    Any ideas much appreciated?
  • mdcoach
    The best buy for me ....
    Following receipt of my annual renewal notice (Tesco), discussion with my daughter and a fairly extensive review of what is available, I am about to switch cover for my dog.

    My daughter, who is a vet, recommended John Lewis she had looked at their cover after hearing that they recently brought their insurance inhouse to make it more customer friendly/improve quality to bring it more in line with the John Lewis ethos/image (trusted).

    I have received a very good quotation for 7,000 for vet fees per year, for life (not per condition).

    My daughter feels that 7,000 per condition is likely to be adequate to cover almost all conditions, bearing in mind the age of the dog when it might develop the type of condition, and/or your willingness to put your dog through a second (or more) type of treatment, of the kind that would run up extensive vet fees. Tesco were competitive for this level of cover but MoreThan beat them. However, I do wish to have lifetime cover.

    My wife works for an animal sanctuary and their vets (Vets4Pets) recommended Cover4Pets. Their quotation was slightly more expensive for 4,000 per year cover for life.

    There are other companies who offer lifetime cover but John Lewis was the most competitive I could find for this level of cover. Also John Lewis offer lifetime cover of 10,000 per year for life, but this is almost certainly too much cover.

    With all of the above I think that the John Lewis life cover of 7000 per year is right for me and is probably the best buy at this time. I hope this is useful to others and to the four legged members of their family.
    • scrabblers
    • By scrabblers 19th Apr 12, 7:49 AM
    • 18 Posts
    • 2 Thanks
    I'm looking for new insurance for my cats after the Halifax debacle. One of the 'small print' things for which I wanted to watch out was the requirement to pay a contribution of vets' fees once they are a certain age ... I've not been able to find ANY insurer who doesn't now require this.
    Any ideas much appreciated?
    • Bromley86
    • By Bromley86 5th May 12, 10:08 AM
    • 1,106 Posts
    • 479 Thanks
    This is just reiterating what's been said by others, but to me it's the most important thing about pet insurance. Copied from another thread:

    The pet insurance market is defined by (a) no cover of pre-existing conditions and (b) no requirement for an insurer to remain in the insurance market. Sure, if your insurers are still offering insurance they have to offer a renewal to you as well, but as you've seen they can withdraw from the pet insurance market, potentially leaving you with an uncoverable pre-existing condition.

    So you need to pick someone who is not going to withdraw; basically someone who underwrites their own. Petplan is likely the best choice, but pricey. AXA should be a safe bet, as should NFU. There may be others, but do bear in mind that both Halifax and HSBC withdrew from the pet insurance market recently, so a big name is effectively worthless as an indicator of stability.
    This is even more important than cover levels, as having 10k of annually renewing lifetime cover isn't worth anything if the company withdraws from the market 5 years into your insurance.
  • wolves44
    as an1 hd of ea1 pet insueance
  • zeuszara
    Hi evry1
    Could any1 please advise as to the practice of raising pet insurance premiums?
    I have just had my renewal with Animal Friends Insurance (for our dog) and because of last years claims they have increased the monthly premiums by 50%, this was never explained or even refered to when I chose AFI and now as we have claimed we are in effect being held to ransom as AFI know that we can not get cover for our dog for existing conditions. Having just lost my job this is an additional expense that is most unwelcome, and what happens next year if they increase it by another 50% or more?
  • lcparkinson
    I've just done a comparison for my brand new German Wirehaired Pointer pup for lifetime cover.

    I'm going to go with John Lewis. It is the cheapest with decent cover (I opted for 7k), and I trust the company. Petplan was 11/month more expensive for the same thing. Tesco much cheaper, but I think JL will provide better service.

    I think I will ring JL and ask them to quote me for an increased excess as well as I'm willing to pay more like 200 rather than the online option of max 50, which may bring down even further the current price of just under 23/month.

    They also charge the same price whether you pay up front or in installments.
  • Jonny_doe
    Hello , I've got a 4 year old British Bulldog , and I'm currently insured with Petplan , but over the last 3 year the insurance has gone up from 44 a month , to now 62 a month , this is for life cover ..
    Does anyone know of any other good, 4 Life cover pet insurers ??
    • Hillbilly1
    • By Hillbilly1 8th Jun 12, 6:14 PM
    • 589 Posts
    • 1,070 Thanks
    What level of cover is that for? I know people with puppy bulldogs in London paying 85 per month each for life cover!

    Not sure if you'll get less and please think about what your dog has been seen for even if not claimed - it will be classed as pre-existing.

    Was Greenmoneysaver. . .
  • Jonny_doe
    he was a rescue dog (from a dogs home , been Castrated ), i had him from 11 mouths old , he's 4 now , and I've never claimed a penny , just a little annoyed how the cover keeps going up ...
    • hampshirebabe
    • By hampshirebabe 18th Jun 12, 10:08 AM
    • 612 Posts
    • 152 Thanks
    How is a normal pet owner supposed to know what to get, or who to get it from? I followed all the advice I thought I needed and came up with Animal friends, but now they dont sound too good.
    Anyone know a vet I can borrow for some advice?
    What do I need to look out for, both in amounts they pay out and the small print? What companies are likely good bets, how about the supermarkets? Several people I know recommended Tesco, are they able to pull out at any time?
    Ps, I'm looking to insure 2 kittens, 3 months and 9 months old.
    Last edited by hampshirebabe; 18-06-2012 at 10:10 AM.
    • gettingready
    • By gettingready 18th Jun 12, 10:12 AM
    • 11,005 Posts
    • 16,367 Thanks
    My friend just reaslised that she got caught with Animal Friends - she thought her 30k policy was to be used at any time, did not realise the limit was 4k per condition per yeat. Dog is at the vets now having Xrays (350) and likely to need hip replaement (5500) and she will have to pay the difference...
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