After ratteling through all his policies, the then proceeded to tell me about their budget policy (which is not worth the paper it is written on) and that came to £15 per month with £50 excess but there was hardly any vet fee cover, and almost nothing in the way of loss, death, etc.... [snapback]146836[/snapback]
The petplan cover you mentionhere is the one I have, i an intrigued as to why you think its not worth the paper its written on?? Am I missing something?? :huh: :huh:
Yes you don't get anything should your pet die but to be honest that didn't bother me in the least. I mean what would we do with the money? they money you receive from the death of your pet? I am more interested in the things my pet gets whilst he is alive.
£4k per year benefit, not per ilness which is essential ;) £250 boarding fees, £250 advertising and reward should he go missing. Plus £1m 3rd party ins.
I also receive free annual petsafe membership, which i like :D .
I haven't shopped around to be honest. My vet recommended the policy when we got Bil as in his opinion it was the best on the market at the time. I haven't since looked elsewhere because at £15 per month i didn't think i would save much as theres not much revenue there in the first place to play around with.
I have claimed once and they were fantastic, if i move elsewhere other companies may not cover me for the illness which I originally claimed for??? Plus we now have behavioral problems....
Am I being ripped off??? If so perhaps it is worth me looking elsewhere???
Last night a chap from PetPlan rang me to advise me that Dillons 6 weeks free insurance is about to run out and that I need to renew. He started quoting me their top policy, with I think £50 excess for something like £30 per month. Cut a long story short, when I mentioned that I could get it cheaper at M&S he got a bit panicky, as if he was desperate to sell me a policy there and then!! :huh: After ratteling through all his policies, the then proceeded to tell me about their budget policy (which is not worth the paper it is written on) and that came to £15 per month with £50 excess but there was hardly any vet fee cover, and almost nothing in the way of loss, death, etc.... When I told him I could still get it cheaper elsewhere he got really stroppy and hung up on me :o He seemed under sooo much pressure to get me to sign there and then...!
Anyway, M&S are going to give me a great level of cover, no excess for £14.30 per month, and I am happy with that! They said the policy docs would be with me in 5 days - will see if they arrive!! ;)
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I have the Petplan budget policy and its been worth it as they paid out nearly 3000 without a quibble within the 1st 8 months of Wilf's life.
If you change to M&S when you're dog is older they are quite strict about exclusions as in say when Ruby was attacked by 2 staffies (unprovoked) and needed to go to the emergency vet M&S would put dog bite as an exclusion if I changed to them now (I knwo soemone this happened to). Yet we all know with the best will in the world we never know when our dogs may be attacked and injured. I wonder what sort of exclusion my cat would have for colliding with a greenhouse and slicing though his tendon (apart from further problems with his leg, which he doesn't have).
Oops, didn't mean to upset anyone - the way the PetPlan guy described it to me was that once the 4,000 was used up, that was it - there was no more, which worried me as I think 4,000 isn't very much - plus their premium was high even with excess....
I suppose they are all much for much-ness whichever one you choose, it is all in the smallprint...
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No don't worry you didn't upset me, perhaps my reply wasn't written so well. I thought you had discovered something bad about Petplan and i was a bit panicky!!
:D
Oops, didn't mean to upset anyone - the way the PetPlan guy described it to me was that once the 4,000 was used up, that was it - there was no more, which worried me as I think 4,000 isn't very much - plus their premium was high even with excess....
I suppose they are all much for much-ness whichever one you choose, it is all in the smallprint...
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That's 4000 per year, and its only if you use up 4000 that year that you'll find you don't get any more that year (until the next year that is)! While I received 3000 from Petplan the other year when I renewed my policy the next year I have another 4000.
i just kept the kc going it costs about £25 a month i didn't realise there was such a big difference in price i would also have to pay the first £50 and 10% of overall vet bill.now i think i will go and look at whats about starting with m&s.
thanks for posting you just may have saved me loads of money :)
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i use more than £9 per month never had any problems but it is £70 excess :unsure:
Have a look at this site www.healthy-pets.co.uk I have insured Ben on their Gold Plan and it costs £5.10 per month! I have only had Ben for 3 1/2 weeks so not had to claim yet but the policy looks really good.
If anyone else has used them - let me know how you got on.
thanks
Debbie (and Ben)
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Had a look at its policy and wonder what this exclusion means:
"Preventative and elective Treatments, routine examinations and Treatment including but not limited to routine spaying or castration, whelping or kittening or to any treatment in connection with pregnancy or parturition. "
Apart from obviously excluding 'routine spaying or castration, whelping or kittening or to any treatment in connection with pregnancy or parturition' wonder what else it means by elective treatments (I assume the 'not limited to' means other conditions)