We insured our last cocker with Petplan when he was 7yrs and in his later years when he developed some serious conditions we paid the excess a year from the date the condition began and cover for each continued.
When Alfie was a pup the vet nurse recommended we take out insurance cover for him since pups can be unpredictable, prone to swallowing alien objects etc. When I said I hadn't intended taking out insurance until he was older she said we might want to think about taking out insurance with a company offering a lower premium. We took out a policy with Tesco thinking in the case of any accident/emergency he would be covered. However Alfie developed a pollen allergy causing skin problems, last year. He has been particularly bothered this year resulting in regular visits to the vet and quite a lot of medication. I put in another claim last month and got a shock when they said we had reached the end of the year from when we first claimed, so no subsequent claims can be made for the pollen allergy. I stupidly hadn’t realised that there was a 12 month limit for any condition.
I’d like to change insurers now. I realise that he won’t be able to get cover now for his pollen allergy, but wonder if COL’s can recommend insurers that cover a condition for more than a year. I was thinking of going back to Petplan as they were very fair when we made a lot of claims for our last cocker in later life, but they don’t seem to be well rated at the moment and their premiums do rise steeply each year.
