Pet Insurance

Lisa/Colin · Posted: Mon Oct 12, 2009 6:17 pm Post subject: Pet Insurance

Just got the insurance papers through for wee Millie and noticed that my excess is £70 (expected) but as well as having to pay this up front in the event of a claim, they also want 10% of the remainder!

10% of a couple of hundred wouldnt hurt too much but having had bills for Hektor in the past for over £3000 I wouldnt like to be having to shell out £300+ if something dreadful happens, thats the whole point of having the insurance. I just went with the same company as Hektors policy to get the multiple pet discount but i am thinking of cancelling and going elsewhere now.

Is this a new thing that Insurance companies have brought in, I'm sure Heks policy doesnt say that?

Lisa

John Thomson · Posted: Mon Oct 12, 2009 8:57 pm Post subject:

I'll need to double check mine but I have not heard of this before.

john
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Janis · Posted: Mon Oct 12, 2009 9:40 pm Post subject:

haven't heard of this either......can i ask who the insurance is with......we are with more than!
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steve young · Posted: Mon Oct 12, 2009 10:12 pm Post subject:

I'm with More Than too and this actually sounds familiar, but I'll need to double check the docs.
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Steve Young
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Lisa/Colin · Posted: Mon Oct 12, 2009 11:01 pm Post subject:

Yip Janis,just checked and Millies insurance is with "more than" - stands for "more than you first thought"!!!!
Colin

kerry · Posted: Mon Oct 12, 2009 11:14 pm Post subject:

really, we are with more than also, eek.. wil have to check this out.. also has anyone elses insurance pretty much went up £1.00 every year for your pet., started out at £6 for our cat and 3 years later he is close to £9 now, shocking!!
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lynn 01 · Posted: Tue Oct 13, 2009 7:54 am Post subject:

Bubbles insurance went up by £3 this year but I have just increased it to lifetime and that is costing an extra £7 a month so I`m now £20 a month
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Margaret J · Posted: Tue Oct 13, 2009 8:02 am Post subject:

yep i am with more than and this is the way their policies work they defend it by saying it keeps costs low????????

and yes it does go up annually again they say this is due to the increase risk due to the dogs age and breed??????? Sad

most of the insurance companies will have an annual increase Shocked

Lisa/Colin · Posted: Tue Oct 13, 2009 2:35 pm Post subject:

Just checked Hektors policy and his does not mention anything about 10% of the cost to be paid after excess has been deducted. Not until he gets to 9 years old anyway..

Am going to investigate further!

Lisa

Lorna · Posted: Wed Oct 14, 2009 3:25 pm Post subject:

I am with Direct Line - Lifetime cover - up to £6000 per illness. £80 excess for each illness - no additional percentage. It costs £70 per month for 2 Great Danes. No problems in them paying up. They have previously paid out £4000+ for 1 illness for 1 dog direct to Vet hospital.
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Great Danes are not substitute children. They are much more important than that!

Janis · Posted: Fri Oct 16, 2009 5:44 pm Post subject:

just got my annual renewal for inca and echo and i too now have it added with this 10% extra lark!

might look around however i am quite happy with more than at the moment!
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Cockapoo's...a little of this, a little of that..........
the perfect combination!

Ross/Ali · Posted: Fri Oct 16, 2009 9:14 pm Post subject:

we're having a hell of a time just now with the horse insurance - We had to take TJ into the Vet School at 3am a few weeks back and he stayed there for 3 or 4 days under 24hour care...

as you can imagine, that wasnt cheap, but Insurance company playing silly buggers and delaying payment etc where we have already had to pay call out vet and vet school Rolling Eyes

Ive noticed they are getting alot more strict now than they used to be for all types of insurances!
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shirley c · Posted: Sat Oct 17, 2009 4:44 pm Post subject:

Who have you got TJ insured with, im with NFU, hoped they would be good to deal with

Luka is with Tesco so need to check what his says
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Ross/Ali · Posted: Sat Oct 17, 2009 5:47 pm Post subject:

Giles is insured with the Kennel Club and the cats with HSBC.
TJ (Horse) is insured with petplan and has been so for the last 15 years!!!! Never, ever had the need to put in a claim until now and only now experiencing some problems and delays. To be honest I am really surprised as they are meant to have an excellent reputation but my vet is on the case so should see a quicker turnaround javascript:emoticon(' Laughing

')
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