Anyone insured with PDSA

[Jane57]

Any comments if so?
Ive just received my John Lewis renewal qoute, its gone up from £16 per month to £24 

Friend uses PDSA on the highest insurance, ours is coming in at just over £13 per month.
John Lewis has been really good, we have claimed .. twice.

Just wondered anyone have any experience with PDSA ?

[elaine.e]

No experience with PDSA and I don't know what your 2 claims were for, but if you swap to any other insurer from your current one you'll almost certainly find that pre-existing conditions won't be covered.

[Jane57]

No experience with PDSA and I don't know what your 2 claims were for, but if you swap to any other insurer from your current one you'll almost certainly find that pre-existing conditions won't be covered.

Ahh I wondered about this.
One was sick bug, where he had injection
The other was an emergency vet for query of a reaction, or allergy when he had some really worrying symptoms, he needed a steroid injection.
So I couldnt claim for a bug, sickness etc is that what it means ?
Its a minefield.

[elaine.e]

No experience with PDSA and I don't know what your 2 claims were for, but if you swap to any other insurer from your current one you'll almost certainly find that pre-existing conditions won't be covered.

Ahh I wondered about this.
One was sick bug, where he had injection
The other was an emergency vet for query of a reaction, or allergy when he had some really worrying symptoms, he needed a steroid injection.
So I couldnt claim for a bug, sickness etc is that what it means ?
Its a minefield.

My guess is that a new insurer would ignore a one off sickness bug but might ask questions and possibly not pay out if he had a reaction or allergy in the future on the basis that he'd had something similar before. You'd probably have to declare the 2 claims to a new insurer so could ask them specifically if exclusions would then apply.

[Jane57]

No experience with PDSA and I don't know what your 2 claims were for, but if you swap to any other insurer from your current one you'll almost certainly find that pre-existing conditions won't be covered.

Ahh I wondered about this.
One was sick bug, where he had injection
The other was an emergency vet for query of a reaction, or allergy when he had some really worrying symptoms, he needed a steroid injection.
So I couldnt claim for a bug, sickness etc is that what it means ?
Its a minefield.

My guess is that a new insurer would ignore a one off sickness bug but might ask questions and possibly not pay out if he had a reaction or allergy in the future on the basis that he'd had something similar before. You'd probably have to declare the 2 claims to a new insurer so could ask them specifically if exclusions would then apply.

Thanks Elaine, I think we are sticking with JL for now.

[SophieBlueRoanLover]

I can't see how a one-off problem could be counted as a pre-existing condition if it happened again (eg. some kind of stomach problem), but I guess they could argue that an allergy could be a pre-existing condition. I really hate insurance!