NEVER, NEVER USE TESCO INSURANCE......

[Jeeves]

A word of warning folks - avoid Tesco insurance like the plague.

I submitted a claim for Parkers recent trials and tribulations and the claim was for in excess of £1,500 with the op and before and aftercare, and then I get a phone call from some irritating little pen pusher this afternoon to say they wont pay up.  We had to pay in advance for all this and simply don't have that kind of money, so we are really strapped now.

Whatever you do, avoid Tesco at all costs - PLEASE!

[Rhona W]

That's terrible.  What reason did they give for not paying up?

[happydog]

I'm with Tescos (for the moment -but I shall be dropping them when it runs out next month for reasons connected with their inhumane treatment of animals in China - see this thread 

http://www.cockersonline.co.uk/discuss/index.php?topic=20904.0 )

They have always paid up for me though. What reasons did they give?

[Joules]

That is terrible - what was their explanation?     I am with Tesco's too but I will have problems changing to another provider as Coco has had a few problems in her first year so if I move none of those things will be covered.  I have not been too impressed with them so far - I think I will deffo review things when I renew the policy.     My main problem with them is that they only cover each condition for up to 12 months - some other co's have no time limit.   

[Jeeves]

Back in February Parker had a sore neck which the vet put down to him jarring it jumping out the back of the car. He had some tablets and he was fine in a few days - all sorted.  Needless to say, I did not claim for it (I had the dogs insured with the NFU then).

Tesco now say that his present problem was related to that and therefore it is a pre-existing complaint and ergo - no payment.

It MAY be related but the chances are it is not.  

I simply cannot believe this. I pay £20 per month for what??

I am absolutely incandescent

[Elisa]

Blimey    Sorry to hear that.

Hope you can get something sorted.  There must be some kind of appeal you can do    Good luck.

I really detest insurance policies - you never know what you are insured for until put in a claim and it gets refused 

[Joules]

That is a real bummer.  Can you get your vet to write to them?

[happydog]

Get the vet to write a letter telling them that it is not related. Fight it!!!!!

[Jeeves]

It infuriates me. Tesco make billions of pounds every year. Why the hell can't they pay out for a ligitimate claim for an operation which has, in all probability, saved a little dog's life.

The woman who rang was SO bloody matter of fact - I tried to point out that my overdraft has an overdraft now and I was absolutlely desperate for the money - but hey, they have money coming out their ears, why should they care about the poor b******s who pay their premiums each month for total fresh air?

[happydog]

(Joules, shall we just take it in turns to reply to this thread?   )

[debbie321]

Go for them big time!  You've paid your insurance for just this sort of thing.  I'd tell the 'pen pusher to push his pen where the sun don't shine and insist on speaking to the 'boss'.  You could also post on every doggy forum you could find and write to a local rag that could print your story?  They will hate the bad press - which is well justified from what I've read.

Argue your case and don't give in  

OK - I'm back of my soap box now

[Jeeves]

Yes folks - I will not take this lying down. Parker has to go back to the specialist tomorrow and will hopefully get signed off (hoorah!!)

When we get back I'll go and see my own vet (they are marvellous) and see what can be done.

[happydog]

Don't just accept this. Insurance companies always try to get out of paying if they think there is a chance they can wriggle out of it they will. Stand up to them and insist it was not a pre-existing condition, get your vet to back it up unequivocably with a letter in plain and simple terms. It can work.

[cazza]

Good luck with sorting this out.

keep us up to date on how things go

[Jeeves]

I've also got another claim in for Parker for some tummy trouble he had prior to this (another £400 or so!!) So god help them if they refuse that claim too!

I really wont take this lying down. Insurance companies ride roughshod over us and it is just plain wrong. Once we've got Parker home tomorrow, I'll get to my vet for a chat then take Tesco on. They will wish they'd never got out of bed in the morning!