Quote:
Originally Posted by babycham2002
I am with tescos and have been for many years. In March this year Red was diagnosed with leukemia. I rung Tesco and I was told that because I had not renewed the existing policy (I had gone online bought the better policy and got the new customer discount) that I was still within the 14 day exclusion period and as such would not be able to claim, i just hung up As you can imagine I was devastated.
I dont know what made me do it but a few hours later I had calmed a little (and got a bit angry). I rung them again and I got through to a really nice girl who looked into it, clearly saw that I had in fact been a customer of theres for a very long time and was told that my claim would be assessed as any other would!!! yay triumph!! I have spoken to this lady sinceand have been very impressed with her helpfullness and empathy to our situation.
The actual claim itself has gone very smooth. They send a load of forms and the vet does them in his own time and they send my a cheque for each form sent. We were very lucky that the vet actually stopped billing us after the first £500 and just waited until the insurance cheques started coming through. When I rung them after the first cheque was went they told me that on average they are processing decisions/claims about 3 weeks after recieving the form. Which IMO is an acceptable amount of time.
With regards to who I will go with when I get my next dog; I will be getting a golden retriever puppy (health tested and everything) BUT I m still very aware that the cost of something as serious as HD could be very very high so the £4000 per year lifetime cover Tesco offers as its higher cover IMO will not be enough for her.
Sorry for such a long post, just wanted to let you know of my personal experience. Please do let me know who you decide to go with in the end.
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That was something similar that happened to us they automatically putthe silver policy up to gold we didnt know till we saw how more expensive it was when we saw the bank statement so i rang them and told them if i had needed gold then i would have asked for it and i had looked on the net and saw that they were giving so many discounts for new cutomers they said they would cancel my policy and start it back onto silver and give us the 2 dog discount when we made the claim for £2,000 and the meds for life bill at over£100 a month they said when the ilness started it was only 12days into the new policy, we shouldnt have had to start from scratch with the 14 day deferment when we has been with them for all those years, i can understand them doing this for new customers but we were already with them all they had done was put us back to the level of cover we was originally on. So for all the premiums we had paid over the years then we had to pay the bill and the monthly meds he needed. .. . . . . very expensive.