I took Woody for his first vacs this week and was a little disapointed because I asked him which insurance company I should go for. He said he is not allowed to say because he is not a registered broker.

I just want to know which ones to avoid? Maybe because they are slow at processing claims etc?

Go with one's that do Life Time cover for illness. Some of them have a limit but alot do do the life time cover as long as you keep up the monthly payments, some do silver, gold and bronze, I always go with the vet fee's up to £6,000 or £7.000. as vets bills can be very very hefty. I am with Marks and Spencer.xxxx

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Avoid E&L we was them for 8yrs 7 of those 8 years we insured 2 dogs we had a claim of just over £2,000 and life long meds of £110 a month an never paid a penny. I must admit the only other claim we had made was for£200 and they were quick to pay and paid the vet direct, so mabe for large bills best avoid.

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We won't be renewing with a particular company (not sure I dare say which) but we had six weeks free and made a claim then continued with the full insurance after the six weeks was up, made another claim and they wouldn't pay because they said it was an existing condition - yeah, with them! I'll be opting for Petplan next time they always pay out.

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How can I sleep when my head is full and my tummy empty?

www.oiwlcc.co.uk

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.

Thankyou, but I kind of want to know good/bad from personal experiences.

Yes thats the best way as they all sound good, they are wanting you buy their insurance after all, thats why i gave you 2 examples of the company we was with, dont touch them.

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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hello

my old shar-pei was under Sainsburys pet insurance and I never had a problem with them. Chester is with M&S they paid out no problem when he went in to have grass seeds removed from his paw.

Just waiting to hear from them about his x-ray ...hopefully we will have no problems