Which insurance to avoid? - Page 2

alaun · #11 (**permalink**) 01-11-2009, 05:56 PM

Quote:

Originally Posted by WoodyGSP

Is that the one you get when you buy a kc reg puppy? I looked at that and decided not to even bother sending it off. I can't remember why, I think you had to pay 10-15% of the claim yourself plus usual excess so didn't see the point.

Yes, we have had to pay ridiculous amounts, assuming they pay out! I think you've worked out who it is

Tinsley · #12 (**permalink**) 01-11-2009, 06:00 PM

I'm planning to go with the Kennel Club.

With Argos at the moment but their Gold one and I don't think it is lifetime policy. I intend to get Roo hip scored but don't want to do so until he is insured with the KC.

I am looking at putting a claim in with Argos in the next week or two so will tell you how I get on.

Asda REALLY mucked my aunt and uncle around with their car so I wouldn't reccomend them if they do pet insurance!

haeveymolly · #13 (**permalink**) 01-11-2009, 06:07 PM

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.

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.

babycham2002 · #14 (**permalink**) 01-11-2009, 08:19 PM

Thats awful Haeveymolly. I bet we are not the only ones this has happened to either. E&L? I cant work out who that is!!! Silly me

Daynna · #15 (**permalink**) 01-11-2009, 09:12 PM

im with tesco and although i havnt claimed for either dog i did clain £1.9k from them for one cat over a yr and in feb claimed the max i could for out youngest cat which was £2.5k never had any problems with them paying out.

We have the life time £4k policy now which i know isnt alot but at £37 a month for two dogs and two cats its a bargin while we are skint lol!

ad_1980 · #16 (**permalink**) 01-11-2009, 09:16 PM

Quote:

Originally Posted by Tinsley

I'm planning to go with the Kennel Club.

With Argos at the moment but their Gold one and I don't think it is lifetime policy. I intend to get Roo hip scored but don't want to do so until he is insured with the KC.

I am looking at putting a claim in with Argos in the next week or two so will tell you how I get on.

Asda REALLY mucked my aunt and uncle around with their car so I wouldn't reccomend them if they do pet insurance!

No hon i think its the platinum one that is lifetime cover.

Lyceum · #17 (**permalink**) 01-11-2009, 11:17 PM

Is tesco's a life time policy? Buying online I've just been quoted £26.88 for both my dogs. Currently paying a few pennies off £18 for one dog with NFU. So I'm looking for a decent insurer for my new puppy. Only been with NFU for a few months so never claimed, they don't give discount for multiple pets on the same policy, and because I got 10% new customer discount when I signed up, I'll actually end up paying more to insure my second dog.

I'm looking for a company that will give discount for multiple pets, but obviously want a good insurer.

Agadoo · #18 (**permalink**) 02-11-2009, 08:06 AM

Tesco isnt lifetime, it is 12 month limited and per condition depending on the option you choose.

Avoid E+L at all cost (and pet-insurance.co.uk which is the same company) and if you want the best, yes, get lifetime cover.

kellybaker · #19 (**permalink**) 02-11-2009, 09:53 AM

We are with PetPlan and even though they are slightly more expensive than other insurers I think I will always stick with them as everyone I know that has them to insure their pets have never had any problems paying out and yes we have lifetime cover too wouldn't have anything else.

haeveymolly · #20 (**permalink**) 02-11-2009, 03:09 PM

Quote:

Originally Posted by babycham2002

Thats awful Haeveymolly. I bet we are not the only ones this has happened to either. E&L? I cant work out who that is!!! Silly me

E&L IS EQUINE AND LEISURE is that what you was asking?

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