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Insurance woes

Discussion in 'Dog Chat' started by Redice, May 17, 2017.


  1. Redice

    Redice PetForums Senior

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    After receiving this years quote from Liverpool Victoria with a £200 increase in premium a year despite only ever claiming £10 from them it is time to change. I want to stick with Lifetime cover.
    I have got a good quote from a company called 'Lifetime Pet Cover', does anyone have any experience of them? Or any other recommendation. I have 2 dogs so can't afford Petplan either, my eldest is in Petplan but has a pre-existing condition but the other two I can change.
     
  2. lullabydream

    lullabydream PetForums VIP

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    The only one I would recommend is Pet Plan as price increases are very minimal...

    Is Lifetime Petcover, the new insurance that covers everything, and has been advertised heavily online? If so I had never heard of it till recently and so would be weary of they would really stick around...after all many have pulled out the pet insurance market over the past years.

    If not look who the insurer is underwritten by, if its RSA...which many are with huge hikes after minimal claims that go up and up...you are probably best to try and go with Pet Plan now before your other dogs have 'pre existing' conditions and your cheaper option then becomes Pet Plan, who will re evaluate some pre existing conditions after so many years, unlike other pet insurances.
     
  3. Nonnie

    Nonnie PetForums VIP

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    Mine just went up £7 a month; never made a claim, and my dogs only 2.
     
  4. lullabydream

    lullabydream PetForums VIP

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    Oh dear...but then that's still cheaper than mine under RSA without a claim for my 2 year old dog..hers went up by £9..which was still cheaper increase than the ones with claims...which was ridiculously high and I worried about changes due to pre existing conditions, which pet plan have wiped!
     
  5. Little P

    Little P PetForums VIP

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    I've never heard of them and I process pet insurance claims in a vet surgery.

    Who are they underwritten by?
     
  6. Redice

    Redice PetForums Senior

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    This is them https://www.lifetimepetcover.co.uk/
     
  7. Little P

    Little P PetForums VIP

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    rona, Redice and lullabydream like this.
  8. Nonnie

    Nonnie PetForums VIP

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    Apparently insurance premium tax has gone up from about 8% to 12% and they take into account the cost of vets in the area. The woman i spoke to said the sky rocketing referral/specialist fees will continue to drive up insurance costs - especially if you live near them.
     
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  9. Redice

    Redice PetForums Senior

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    Thanks for the advice, I will avoid. I am getting recommendations for More Than from friends at the moment.
     
  10. MiffyMoo

    MiffyMoo PetForums VIP

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    I've had a look at their documentation and these stand out:

    1. The premiums for future years will depend upon the forecasts of costs to us of settling claims and changes in taxation and inflation. We will not seek to recover, in future years, the costs of any claims already paid out. Changes to your premium will not depend on your individual circumstances but on the cost of overall claims.
      •  A co-insurance amount of 20% of the claim if your pet is over the age of 7 years;

      •  A co-insurance amount of 25% of the claim if your pet is over the age of 12 years;
     
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  11. lullabydream

    lullabydream PetForums VIP

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    So Eevee's went up ok ish...but I dont live near referral places...as Stan may have had to go to a soft tissue specialist...and the ones the vets were suggesting were miles and miles away. Which was a worry...however luckily for me Stan's damaged salivary gland healed on its own. Which is very lucky for us all.
     
  12. DaisyBluebell

    DaisyBluebell Earth, the insane asylum of the Universe

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    Check out the websie 'Bought By Many' Dog Insurance section, its a realy good site & helps you sort out various options it even has a 'breed' insurance section
     
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  13. Redice

    Redice PetForums Senior

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    Thank you. I think I am going to give them a miss, now looking at More Than and Tesco!
     
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  14. MiffyMoo

    MiffyMoo PetForums VIP

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  15. Jobeth

    Jobeth PetForums VIP

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    That's interesting. My 5 year old yorkie's went up £7, but my 7 year old Lhasa/poodle only went up £1. I've not claimed for either.
     
  16. MiffyMoo

    MiffyMoo PetForums VIP

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    Mine went up £2 for Lola, despite claiming £1700, and they know that she's on Apoquel for the rest of her life, which costs £140 every 6 weeks
     
  17. StormyThai

    StormyThai Moderator
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    Mine has only gone up £6 since I started the premium (4 years) and I've had a couple of hefty claims.
     
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  18. Lurcherlad

    Lurcherlad PetForums VIP

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    Get a quote from Direct Line.

    They won't be included in comparisons.

    I don't have Lifetime cover, and have never claimed, but Jack's premiums seem reasonable and annual increases have not been big.
     
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