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Insurance!

Discussion in 'Dog Chat' started by Emraa, Jun 12, 2010.


  1. Emraa

    Emraa PetForums Senior

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    Bella's insurance is up for renewal with More Than but they have upped the premium by £40 per year!! I have never claimed so I have no idea why they have increased this.

    Who are your dogs insured with? I went on gocompare.com and found plenty of companies that are cheaper but to be honest it baffles me a bit. Is there anything I should be looking out for? I have heard that some companies won't pay out if the pet gets a lifelong illness??

    Any info really appreciated :)
     
  2. EmCHammer

    EmCHammer PetForums VIP

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    The thing to look out for are how they pay out, is it

    Per Year
    Per Condition
    FOr Life

    I.e. some have a limit for vets fee's that will pay a set amount out for a year and thats it; some will pay out a set amount for a condition that when its gone be it in 6 months or 6 years its gone; and for some the amount is renewed each year; some is by condition and some is by combined vets fee;s

    I.e. from what I can recall one of mine is with M&S; and they pay out 7,000 per condition, per year for as long as you have the policy, at the start of the new year each of the running 7,000 totals gets set back to zero. This is very good but M&S have been notorious for hiking up prices - mums dog went from £25 to £45 a MONTH!! if you go on dog pages and do a search you will see how the prices rise and will find many topic's on the subject. My girl's went up this time from £14 a month to £20 a month and I had enough. M&S have to say are very good at paying out tho.

    I swapped my girl onto AXA who used to underwrite m&s before all the hikes and have a very similar policy for £11 a month, i.e. £9 a month better. This one is £7,000 a year for vets fees (combined not per condition). ALot of people who could swap would now recommend AXA.

    Its good to find one you like as if your dog gets a condition many new insurers will take your dog on but exclude that condition. Its well worth having the best you can afford - one of my dogs had a seriuos accident and cost between 2-2,500 grand for that incident alone. He has also had claims for all sorts of accidents and scrapes that has made it well worth it and he has meds costing about £25 a month which is covered by the insurance.
     
  3. Horse and Hound

    Horse and Hound PetForums VIP

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    Call their bluff anyway. Tell them you are leaving and I bet they knock the price down!

    I am with More Than, simply because I got a 20% discount as I have my house insurance with them as well. More Than are one of the better ones out there.

    A lot of companies cap the insurance claims on lifelong illnesses. So, for instance, you could only say claim £1000 per year for a max of £7000. Just read the fine print and ask as many questions as you can/need when on the phone to them.
     
  4. swarthy

    swarthy PetForums VIP

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    TBH - in the great scheme of things, £40 a year isn't that much of a hike, when you look at what is going on with pet insurance atm.

    If you are going to have it, and so far, despite a huge claim last year and my girls premium doubling this year (can't say I was overjoyed, but then she is 8 during the premium year) - they still won't get back what they've paid out - which means I couldn't have saved what I've paid out - and they paid the clinic directly - although I probably will get to the point with her where I may have to eventually hold no insurance - the joys of older dogs :rolleyes:

    Likewise with MT - my girl is having regular physio, and they paid the first claim within 2 weeks - it's a great peace of mind when the chips are down.

    More Than and M&S have both made a name for themselves as good insurers - they both use the same underwriter, and therefore, it's probably unsurprising their premiums are hiking :(

    If you do change, remember that many policies won't cover quite a lot of things within the first 14 days - and ask around by Word of Mouth, there are some very cheap insurers out there, but I've also heard that their speed (or even actually honouring the claim) of paying out is atrocious :(
     
  5. Amyneal

    Amyneal PetForums Newbie

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    I personally moved my two to a pet insurance specialist company called Healthy pets.

    They cover up to £7,500 and are much cheaper than a lot of the other pet insurers. I think that it’s important choose the right insurance for you, but I would be careful of signing up to a super comprehensive pet insurance plans as they tend to hike up the prices after they have you onboard.

    I guess my only other concern would be customer service and whether they pay up when you claim, Healthy pets have been good on both counts so far.

    Well worth having a look, here is their website addy: Healthy Pets Pet Insurance from £4.58/mth
     
  6. swarthy

    swarthy PetForums VIP

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    It's incredible how prices vary between region, company and breed - I've just done a quote for four of mine - over DOUBLE what they are with MT for the same cover and 50% more excess :eek:

    If using this website for a quote, a note of caution with the quoted level of cover offered and excess as it automatically defaults to the Bronze cover with £120 excess - which is £1000 max per condition :frown:
     
  7. Sam1309

    Sam1309 PetForums VIP

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    i've just taken out my insirance (5 mins ago) with petplan


    what do you all think of this, the reason for going with pet plan was the fact they pay the vets direct, i don't have to fork out then pay back
     
  8. luvmydogs

    luvmydogs PetForums VIP

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    I like pet plan for that reason too. My Bullmastiff had a big op and they paid direct. I wish I'd gone for their lifetime cover though.
     
  9. kaisa624

    kaisa624 PetForums VIP

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    Holly is with MoreThan. That's what our next pup will be with too :)
     
  10. luvmydogs

    luvmydogs PetForums VIP

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    Do morethan do an unlimited lifetime policy?
     
  11. poppydog1

    poppydog1 PetForums Member

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    Im with healthy pets gold cover costs me £11.30 for an ESS 2yrs old, when she swallowed a stone and had to have it removed they paid vet direct no hasssles and very quick too.Policy did seem to go double in price after first year.
     
  12. Jellycat

    Jellycat PetForums Junior

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    Im with Pet Plan and pay for a lifetime cover 24 a month for my Alfie, I keep trying to find a cheaper one but dont get the same cover, a friend of mind recently found one on the internet called Pet-Insurance.co.uk and so I went and got a lifetime cover quote which came back at 10.20 could not believe it. I am very sceptical so decided to ring my vets and they told me to stay clear as they are dreadful at paying out etc. anyone else heard of this and I want to let my friend know but would prefer some first hand information before I let her know
     
  13. keeleyjane19

    keeleyjane19 Guest

    Well I am with Direct Line. I am on the year policy and not for life as still in a year of treatments for one of my dogs. Once thats over, they will be going advanced.

    But at the moment it is £45 per month for 4 dogs.

    They pay up to £4000 per condition with a years limit which is alright I guess but would love them to be on advanced which is unlimited per condition so you have no time limit for the condition.

    But they pay out well and I have never had a problem when claiming from them. They are happy to pay the vet direct too, the excess is like £80 I think xxx
     
  14. luvmydogs

    luvmydogs PetForums VIP

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    I though advanced was £6000 not unlimited?
     
  15. keeleyjane19

    keeleyjane19 Guest

    Yeah, my apologies, I meant unlimited as in it doesn't have a years limit...does that make sense?? xx
     
  16. luvmydogs

    luvmydogs PetForums VIP

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    Oh yeah I see what you mean. :eek:
     
  17. keeleyjane19

    keeleyjane19 Guest

    It was my fault, I didn't word it properly!! xx
     
  18. AlbertRoss

    AlbertRoss PetForums VIP

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    If you really want to know what to look for when choosing pet insurance have a look at the "Important Points" in the site in my sig.

    If you want to compare just about every pet insurer you can do, at a glance, on the same site.

    The site does NOT feature insurers that are known to cause problems - we remove them if we get justifiable complaints and there are some well known names missing for that reason.

    As regards paying vets directly - a fair number will do that - check the policies. If you have any specific pet insurance problems feel free to email me and I'll try and help. I cannot recommend an insurer - it's actually illegal to give financial advice.
     
  19. Amyneal

    Amyneal PetForums Newbie

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    Strange I am with Healthy pets dog insurance and my policy has risen over time but never doubled. So your dog was 3 when that happened? In my experience pet insurers usually ramp up the price when they are 5 years old. :confused:

    Great site, though I could not see the information about excesses? I know that some pet insurance has a really cheap monthly cost but the excess is huge. Might be helpful to know :) I know Healthy pets is £75 which is one of the lower ones.
     
  20. ploddingon

    ploddingon PetForums Senior

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    I'm with HP too, seem to be an ok organisation although thankfully I havent had to put them to the test!
     
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