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people online in the last 10 minutes - 0 members, 0 anon and 0 guests. (Most ever was 54 at 22:10:24 Wed Nov 21 2012)

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Squeezeboxplayer
17:24:57 Sun
Mar 6 2011

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Insurance shock

I know we were discussing the pros of pet insurance but I am disgusted with my insurance company. We have been paying 58 per month for gixer as we have the top cover the company offers. Yesterday I received the renewal through and it will increase to 110!!!!!:waa: and also the excess said 75 + 20%

I phoned then up and they said the increase is due to "advances in veterinaly treatment"!!!! personally I think it is because we are claiming as it has gone up l;oads the last 2 years. She then said the extra 20% on the excess is because of the pet's age. If over 5 you pay more and this is normal in all insurances! Gixer was 5 last year and we didn't pay extra.

We then had a decision there is 1600 left till we reach the limit of the claim for Gixer's heart and pay 110 per month and then change but we can't afford it and it seems silly paying the company 1300 in a year to get back 1600.

I am going to have to cancel and find another policy which means they will not pay for his heart treatment so we will have to uput money aside to cover when he has monitor and scans.

I just can't believe how the companies rip you off - they jnow you care for your pet which is why you insure them and then they take advantage of you when they know you have no choice as you are claiming.




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BoxerMad
21:35:17 Sun
Mar 6 2011

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Re: Insurance shock

That is absolutely outrageous!!
I know insurance does go up as the pets age, but i only pay 42 a month with Direct Line for all three of mine and Henry is six and a half years old, so him being over 5 years of age hasn't affected it that much.
I have also never heard of a company charging a percentage of the treatment costs on top of the excess.
As companies already rule out existing conditions they should not be able to increase policies depending on whether you have claimed or how much!

What company are you with?


I don't blame you at all for deciding to cancel - i would be the same, not letting them rip me off like that! But i already know how scary it can be worrying where the money will come from for the treatment - we have all this to come and i am hoping to get some real estimates for the costs of Henry's treatment on Wednesday when we go for his next appointment - at least then we can start to budget for it and it won't come as such a shock when we realise the bank accounts are empty!!

I was just reading this out to Brendan and he said at least with Henry we can't be held to ransom as they seem to have tried with you - as we have already reached our limit with the cancer treatment, there is nothing holding us to our insurers when the policy is up for renewal.

Ours must absolutely hate us already as we changed to them when our renewal was due towards the end of December and his treatment for the cancer started on 24th January - so we were only just past the initial first two weeks where you are not covered (which i always take into account when renewing anyway) - in just five weeks we have reached our limit!!!

I hope you find another company who will cover you at a respectable price - albeit without the cover for his heart and well done for not allowing them to rip you off in that way!



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Katiesnowflake
02:18:04 Mon
Mar 7 2011

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Re: Insurance shock

They have shot Harveys way up too and I have never ever claimed anything for him. Im looking around now too as his is due for renewal in March. The crowd I am with even though all the dogs were on forever insurance refused towards the end of Rosie's life to pay out and were taking nearly 50 a month off me. I cancelled it too, they are greedy and have you over a barrell. They put Katies way up because once in her life I claimed and I left because of it, she is now on a yearly plan with Sainsburys. They werent going to cover her cystitis problems anyway so it was just in "case" of something new occurring. Didnt know then she had renal disease. Anyway the first lot wouldht have paid out, they would have did what they did with Rosie

I think I will phone Sainsburys and ask them what they would do Harvey for on a forever payment plan. The kittens are with PetPlan

The company we were originally with went out of the pet biz and the broker put us onto this companyand it was the worst thing that ever happened - wonder if we are with the same one?



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Polo123
21:09:25 Tue
Mar 8 2011

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Re: Insurance shock

I seem to think Polo's included a percentage clause when we last renewed as he was over 7, so think that's pretty normal.

We were amazed when Polo had two cruciate ops (at just under 2k for just the actual ops, never mind all the rest before and after :eek: ) within 6 weeks of each other, that when his renewal was due a couple of months later the premium had only gone up by the usual annual increase amount, we half expected a real hike, so was a real bonus :respect:



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Katiesnowflake
00:51:01 Thu
Mar 10 2011

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Re: Insurance shock

Well Harvey is now on Sainsbury's life cover at 25.88 per month. It is worth noting that you get a third off if you do it online.




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SashasMum
13:56:14 Thu
Mar 10 2011

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Re: Insurance shock

Sasha and Tizzy's went up recently, so we cancelled them both and started again. This means that Tizzy's allergies aren't covered, but her current treatment is cheaper now anyway and Sasha's epulis isn't covered, we were saving 40 a month though!



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Katiesnowflake
00:59:25 Fri
Mar 11 2011

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Re: Insurance shock

Theyre just pricing themselves out of business.



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Squeezeboxplayer
16:25:56 Fri
Mar 18 2011

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Re: Insurance shock

Sorry guys have been away. Gixer is currently with healthy pets. He will be insured with "protect your bubble" for 25 per month. Took a slightly lower level cover as we know ops will only be carried out if essential
Healthy pets paid out for his epulis which we weren't sure due tonthe length of time ago he first saw the vet. although the letter said the drugs costs seemed high and in future they will pay market average for drugs. Good job that as of Monday he is covered with the new ones.



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