My girls are covered by Sainsburys and the premium actually went down this year. I pay just under £24 for my 2 cockers.
I looked at my policy and found this -
What is covered
We will pay you all reasonable costs for treatment of your pet by a vet up to the
following:
Option 2 £7,500 per condition
Option 1 £3,000 per condition. Each condition is only covered for the 12 months
immediately following the first date of treatment.
The above reasonable costs are including the following;
1. The cost of treatment for any ongoing condition beyond any renewal date of the
policy, provided you have renewed the policy and premiums are paid and up to date.
2. Up to £7,500 per condition under Option 2 or £3,000 per condition under Option 1
for the cost of dental treatment due to an injury or illness.
3. Under Option 2 up to £1,000 per condition for complementary treatment carried
out by a vet or a complementary therapist. This cover is not applicable for Option 1.
4. Under Option 2 up to £250 in each period of insurance for the costs of treatment
for behavioural problems carried out by a specialist under the direction of a vet.
This cover is not applicable for Option 1.
5. Under Option 2 up to £200 per condition for the cost of a clinical diet for your pet
(for a maximum period of 4 weeks), as long as it is recommended by your vet in
order to treat a condition and is only available from your vet. In this case we will
pay the difference between the normal cost of feeding your pet and what you pay
for the diet. This cover is not applicable for Option 1.
6. Under Option 2 up to £2,500 per condition for treatment of your pet by a vet
whilst your pet is outside the United Kingdom during a trip under the pet travel
scheme (with a maximum of three trips in any period of insurance). This cover is
not applicable for Option 1.
7. Under Option 2 up to £100 for the cost of cremation if your pet dies or is put
to sleep by a vet as a result of injury or illness, provided such injury or illness
is covered under Section 7 – Death caused by injury or Section 8 – Death from
illness. This cover is not applicable for Option 1. Section 1 – Veterinary fees
My girls have option 2 and it does appear that ongoing conditions are covered beyond the £7,500.
My friends GSD has had numerous claims on his Sainsburys insurance and they have always paid out promptly. He is also receiving weekly hydrotherapy sessions curtesy of Sainsburys.
