Insurance - Page 4

Felix · #31 (**permalink**) 16-04-2009, 12:28 PM

Quote:

Originally Posted by billyboysmammy

The trouble is that she has seen a vet with a problem to do with her hip/knee, its likely that any insurance company you go to now will put any future problem on her hip/knee as an exclusion. they will say that any future condition/diagnosis with that area is relate to the previous injury (sprain) which had weakened it etc etc - remember insurers dont want to pay out and if they can get away with it they wont. I have had to make billys exclusion wording watertight, and it clearly states: "any illness or injury directly resulting from any previous or new spider bite to his lower jaw". Now I am happy with that exclusion after chatting to my vet, originally it was worded as "any illness or injury that could be deemed as resulting from a previous or new spider bite" I wasnt happy with that (left them too many loopholes imho) and they have re-written the exclusion due to my complaint with my vets letter to back me up. I'm just waiting for the new policy to arrive.

I know this isnt what you want to hear, but hip/knee problems can and are very very expensive, personally i wouldnt risk swapping her insurance over.

I wouldn't be swapping anything over, she's not currently covered at all. I've been paying out of pocket for everything.

Anyway, the vet didn't diagnose anything. He said it's probably just bruising/sore and I can't see how this can in anyway be construed by the insurers as a "previous condition" if this were to develop from bruising into something more serious. But I know, anything to do with money brings out the ****** is somebody. And when it comes to big companies it's a great big serial ****** indeed!

Felix · #32 (**permalink**) 16-04-2009, 12:28 PM

Quote:

Originally Posted by DoubleTrouble

Have you looked at sainsburys?

DT

Not yet, I am now though..

Felix · #33 (**permalink**) 16-04-2009, 12:33 PM

Quote:

Originally Posted by Felix

Not yet, I am now though..

"Thank you for providing your details.

Sorry! We are unable to provide you with a quotation because we do not cover this breed."

#34 (**permalink**) 16-04-2009, 12:38 PM

JBI petcare is the one I was trying to remember - but their max cover is only £4000 - but their premiums are very good
DT

Felix · #35 (**permalink**) 16-04-2009, 12:59 PM

This is the most stressful thing I've done in a long time, I've been on this computer trying to sort out a policy all day.

Pet Plan seem to be the best, but £45 a month being their cheapest full-cover quote? (£4000 per condition for life, with the £4000 "refreshed" with each year.)

Direct Line want £32.40 but they have a £6000 cap per condition, over her whole life. What if my girl develops something serious that, in her entire lifetime, goes over their £6000 limit for that condition. Is it worth it?

I'm really confused.

Felix · #36 (**permalink**) 16-04-2009, 07:47 PM

Quote:

Originally Posted by billyboysmammy

i did a quick quote for you on moneysupermarket.com - marks n spencer came out at approx £250 per year (they did ask for my postcode though so it could be area specific). That was for their standard lifetime policy covering up to £4k per yr.

I've just gone with Direct Line, but like an idiot didn't look at M&S before. I think M&S sounds a lot better, and only a £1 or so more per month.

I particularly like that it says £7000 "per year" of vets fees, better than the £6000 "per problem, in the lifetime" with DL, IF that £7000 is "reset" each year. If so, I think M&S is better. What do you think?

Thanks for all of the advice so far from everyone.

#37 (**permalink**) 16-04-2009, 07:53 PM

I think you should be able to cancel Direct line if you want to and take out another if it's done within a certain time.
Look at the terms

Felix · #38 (**permalink**) 16-04-2009, 08:05 PM

Quote:

Originally Posted by rona

I think you should be able to cancel Direct line if you want to and take out another if it's done within a certain time.
Look at the terms

Yeah, I have 14 days. But I wondered if anybody on here had personal experience with any insurer and what their thoughts were.

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