Hi we are with purely pets. We had to make a claim this year our dog had to have an Operation to remove a broken disc and they were amazing they dealt directly with the RVC so we didn’t need to do anything apart from give the RVC our insurance details. They paid up straight away.
Thanks Tina. I’ll have a look at them.
I've always been told by my vet, vet claims handler and friends that PetPlan is very good. I'm with Vetsure, but they don't cover for dental, so I have to pay for that. PetPlan cover does include dental. Like you say, the key is to have lifetime cover. One thing's for sure, as you know, having good pet insurance as soon as you give a home to a pet is vital!
If you've got a month's free PetPlan because you adopted a pet from one of the main animal charities, then if you decide to take out a full policy, 10% of the premium every year goes to the charity for the lifetime of the policy.
For anyone who hasn't got the first month free and thinking of taking out a new PetPlan policy for any pet, use a link from one of the charities for your quote as that way the charity gets 10% of your first year's premium if you take out the policy. Dogs Trust, Cats Protection, Battersea
There is also Animal Friends. I don't have personal experience of their claims handling, but they also do good stuff for charities. Vote here if you get time as they're giving away soon £100,000 to one of 3 charities. I voted for Celia Hammond.
Thanks Justine. That’s very helpful.
Be aware that a rolling policy means they'll continue to cover your pet without exclusions as it ages but they'll also rinse you on price in later years. Hopefully when you say lifetime you mean the new fixed price lifetime policies available to owners of young pets :)
We are currently with Bought By Many, which is a sort of collective purchasing scheme. Haven't had to claim yet but it does do dental, the exclusion policy is gentle & it's rolling coverage.
Last useful point, while there are many lovely vets around here, we've found it well worth the trudge into Camden to be registered with the Beaumont sainsbury animal hospital because a) they know everything b) v.good opening hours + appt. availability and c) literally half the price of any other vet we've ever been with. It's saved us a fortune.
Thanks for that V and M
Particularly helpful knowing about the Beaumont
We used Saga for many years and had a good experience. The person taking out the insurance does have to be 50 or over though.
If you can afford it - stay with Pet Plan.
Most vets will accept a direct claim with Pet an - this is when you pay the excess and vet claims the rest directly from insurer, handy in case of large bills.
Pet Plan does not hike their prices much every year - you may find a seemingly cheaper policy now but in few years time you will be paying a fortune.
Life time cover every time, never "per condition" regardless of how much per condition is offered - if a pet was to develop anything chronic, money will finish very fast.
Double check as last time I looked, only Pet Plan covered dental (that can be very expensive).
Animal Friends - lots of people got burnt with this one. Seems great when you take out a policy but trying to claim on it is another story. Google reviews from people who claimed, not just the ones praising great customer service at the point of taking up a policy - interesting reading.
Pet Plan always had the best reputation.
Very helpful Anka. Thank you