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Offline michelle123

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Insurance (again !)
« on: December 21, 2006, 04:02:20 PM »
My M&S policy is due.  Despite making no claims my policy has gone up by 60% and my excess has also increased - I am aware of the previous threads regarding this.

Have been looking around and have found comparable cover with Healthy-pets (gold option) Does anybody have any experience of them, good or bad  ph34r 

Inicidentally the policy is underwritten by AXA which is the same as M&S - so as to why there increases only apply to M&S policies is quite unclear !

Happydog thanks for the pm ;)
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Offline *Theresa*

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Re: Insurance (again !)
« Reply #1 on: December 21, 2006, 04:04:55 PM »
In the end I just went directly with AXA as they seemed to give me all the covber I needed at the best price. Hope I made the right choice.  ::).
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Offline lolajays

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Re: Insurance (again !)
« Reply #2 on: December 21, 2006, 07:24:38 PM »
Ive done the crufts insurance! Only just started it it all sounded ok over the phone as I felt the KC one was too expensive but untill I get the paperwork I cant be sure! Knowing my luck it will be useless and ill have to look around again! Oh well ho hum !!!!!
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Offline debbie321

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Re: Insurance (again !)
« Reply #3 on: December 21, 2006, 07:54:26 PM »
Quote from: michelle123 on December 21, 2006, 04:02:20 PM
My M&S policy is due.  Despite making no claims my policy has gone up by 60% and my excess has also increased - I am aware of the previous threads regarding this.

Have been looking around and have found comparable cover with Healthy-pets (gold option) Does anybody have any experience of them, good or bad  ph34r 

Inicidentally the policy is underwritten by AXA which is the same as M&S - so as to why there increases only apply to M&S policies is quite unclear !

Happydog thanks for the pm ;)


I'm with healthy pets and I've been really pleased with them  ;)  Ben is only 17 months but I have just put in my second claim.  The first was paid without question so hopefully this one will too!

The premium for the gold cover is £5.65 and the cover is excellent as far as I can tell.
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Offline rocky

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Re: Insurance (again !)
« Reply #4 on: December 21, 2006, 11:18:42 PM »
Im also with healthy pets and when I put a claim in a few months ago they were excellent paid straight away no questions asked.
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Offline Rosie

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Re: Insurance (again !)
« Reply #5 on: December 22, 2006, 08:39:52 AM »
Same here - we have all 5 dogs with them and have had to claim for two - one with a longer term condition.  They have been helpful and really quick to send out forms and pay out - have not needed to chase once.  Have only just had the renewal for Miah and despite her condition and claims so far the premium is really reasonable and competitive still
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Offline Cob-Web

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Re: Insurance (again !)
« Reply #6 on: December 22, 2006, 08:50:35 AM »
Quote from: michelle123 on December 21, 2006, 04:02:20 PM
Inicidentally the policy is underwritten by AXA which is the same as M&S - so as to why there increases only apply to M&S policies is quite unclear !


The biggest difference seems to be the excess; at £50, I suspect many Healthy Pets policy holders aren't eligible to claim for minor treatments, whereas M & S offer a non excess and low excess option; which will mean that the risk to them to pay-out increases iyswim  ;)
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Offline michelle123

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Re: Insurance (again !)
« Reply #7 on: December 22, 2006, 10:01:12 AM »
Well applied for my cover late last night & sent them an e mail at the same time - first thing this morning I had a response.  Very impressed so far  ;)

Rachel - I originally elected for a £nil excess with M&S but they have increased it to £50 !  madness.
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Offline Cob-Web

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Re: Insurance (again !)
« Reply #8 on: December 22, 2006, 10:22:51 AM »
Quote from: michelle123 on December 22, 2006, 10:01:12 AM
Rachel - I originally elected for a £nil excess with M&S but they have increased it to £50 !  madness.

Oo; weird - the excess didn't change on our policy, even though it went up; but I did read on DP that there were some "typing errors" on some of the policy renewals.... ::)
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Offline LoveCatz

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Re: Insurance (again !)
« Reply #9 on: December 22, 2006, 12:50:13 PM »
I transferred to Healthy Pets in Jan and claimed in Feb for Pepsi's lip fold op and they paid up really quickly.  :D
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