Pet Insurance guide discussion area

starmanuk wrote: »

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?

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.

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?

poshphil wrote: »

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?

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.