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Good job you cancelled.... Tesco take AGES to pay out, as well- although they didnt quibble at the claim.

I insure mine with the Halifax, which seen very competitive, with two levels of cover and variable excess costs. :) They pay out very quickly, too- I have claimed twice in the last 12 months, and of course my premium has gone up now it is time for renewal, but of course, I did expect that :(

I think most vets will recommend petplan, who really do seem to offer fab lifetime insurance....but you pay alot for it.

Good luck, anyway- I think you just have to do a lot of shopping around till you find one that suits :)
 
I took out Tesco Insurance on Jazz last November, (think it's £7 per month).

She had the unfortunate luck in February to have a 'funny' period of anorexia / not eating, which cost around £300 for investigation / blood tests / xray (in case of internal injury etc), consultation fees & various Antibiotics etc - I wasn't going to bother claiming, but kept the receipts anyway.

Then a couple of weeks later she severely injured her front leg on barbed wire & ended up in emergency vets to get stitched etc - another £500 +.

I thought I just had to claim, even tho' I'd only been with them for a few months, and they paid up without question, and within 2 weeks.

I had to pay £100 excess in both cases, and for the 'special' food given by vet for the anorexic bit, so I'm happy with the level of service so far.

No doubt I'll get a rider in the policy on this years renewal not covering for previous claims??
 
I decided that I would insure Toddy for his first year. He is one of those bumbling clumsy teenagers. I read to policy information on the website carefully and then opted for the cheaper version 8.75 per month that covered for the 1st years illness only and a lower max claim limit. The idea mainly being to have cover for broken bones.The policy duly arrived. In the small print of 'exclusions' there is no cover for diagnostic proceedures and tests. I checked with Tesco as I could not quite believe it. If Toddy broke a leg, the responsibility for the X-ray, sedation if required for x-ray and any proceedures required to diagnose the break would not be covered.

DIAGNOSIS IS NOT COVERED only treatment. I wonder if all policies are the same?

needless to say, the policy has been cancelled. What a rip off!

Eve

:angry:
Its hardly a rip off, its stated in the policy you obviously bought without reading the policy, which your fault not theirs.
It's not really the original posters fault since Tesco only provide you with a 'Policy Summary' when you apply online... they then send you the full policy details a couple of days later in the post.

I've taken out Tesco insurance for both Neela and Django literally last week. I was with Healthy Pets before, who used to be extremely competitive but now seem rather expensive at £18 for Django who is 5 and also £18 for Neela who is not-quite-9 months old with a £65 excess.

With the online discount with Tesco the first year of my policy only costs £16 per month for both dogs, which is fantastic. I just looked into my policy details and it has the same exclusion for diagnostic tests etc. However, the full text actually states:

"We will not pay for any preventative or non-essential treatment, tests or diagnostic procedures; prescribed non-specific health improvers; routine examinations or tests; bathing; de-matting."

It's the phrase 'non-essential' that is so open to interpretation. I'm going to give them a call today to find out exactly what they mean by 'non-essential'. Surely any diagnostic tests that are performed with the intention of getting to the bottom of a dog's symptoms are essential? What is a 'non-essential' diagnostic test? Canine hypochondria?!

I'm going to call now for clarification. Thank you eve for starting this thread!
 
I will be interested to hear what Tesco say to you on the phone.

The lady I spoke to stated clearly that if my dog had a suspected broken leg, the X-ray (and sedation) would not be included as it was diagnostic.

I then asked her if the dog required blood tests to establish the cause of ill health such as callopse would these be included, again, she said no.

It could be I got a poorly trained member of staff :unsure: If so heaven help Tesco

It is not good enough that the full list of 'exclusions' are not made available by access to a PDF (some insurers do this) for online purchases
 
I'm looking forward to hearing what they have to say as well since I'm sat here browsing the forum on hold! :lol:

So far I've been on hold for 38 mins... not the best start! <_<

I agree that they should make the details of their policy more available to customers. Though if the exclusions are as they seem they probably would have no customers.
 
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I work in a vets and we will never deal direct with E+L as they are awul, will go to all the lengths to avoi paying and have so many things to trip you up in the small print and paperwork - not to mention the huge amounts of fires they have at their offices which apparently destroy claim forms!! Always also check your insurer doesn't premium load eg increase your premium if you claim - the better ones won't do this.

With any policy ALWAYS read the small print when it comes to make sure its what you want.
 
Righto... it turns out that the person you got on the phone may well have been an idiot! :clown:

The guy I spoke to was 100% clear on the meaning of 'non-essential'. He basically said that if I were to take my dog into the vet and request that a test be performed and the vet didn't really feel that it was necessary, but did it anyway because they'd been asked I would NOT be covered. However, he said that whenever the vet deems that a test (be it X-ray, blood test, biopsy etc.) is necessary and in the best interest of the dog I am absolutely covered and Tesco will pay.

Phew... that was exactly what I wanted to hear! I thought it sounded a bit crap. Otherwise you're paying for half a policy.
 
Good job you cancelled.... Tesco take AGES to pay out, as well- although they didnt quibble at the claim.I insure mine with the Halifax, which seen very competitive, with two levels of cover and variable excess costs. :) They pay out very quickly, too- I have claimed twice in the last 12 months, and of course my premium has gone up now it is time for renewal, but of course, I did expect that :(

I think most vets will recommend petplan, who really do seem to offer fab lifetime insurance....but you pay alot for it.

Good luck, anyway- I think you just have to do a lot of shopping around till you find one that suits :)
im also with halifax..lost count how many times ive claimed for peggy and still claiming...theyve always paid...i pay £18 p/m for her and £60 excess per condition
 
Although E and L ARE really slow at paying...they do eventually pay. Ive stuck with them for many years of dogs and horses because their premium dosen't increase year after year, even after pay outs.

I pay £11 a dog per month.

You do have to watch out for the letters they send you saying they are adding on an extra benefit, in order to try an increase your premium suttley.

I find it quite annoying that although I dont ask for these letters, I have to take the time out to write back saying that I dont want the benefit. Really frustrating when you have a few dogs!
 
I used Tesco 10 years ago to insure my two cats and within four months of taking out the policy one of the cats had a very rare problem with a hind leg. In a nutshell we had XRays, sedations, consultations, a move to a specialist orthopaedic hospital and surgeon. Tesco paid up the £900 promptly without quibbling.

Similarly, two years ago my dog, Tilly, was in an RTA and ended up with a broken femur and horrendous internal injuries to the diaphragm, displaced organs and collapsed lungs. My local vet performed emergency surgery to save her life, she was moved to a local hospital for a week and then to the same orthopaedic hospital were she had four major ops. Have to say Tesco came through with flying colours, payed everything and within days of sending them the invoices.

Now I sound like I'm on commission for this which I'm not but I just thought credit where credit is due!
 
GREAT!!!!!!!!!!!!!!!!

I have cancelled a perfectly good policy because some TWIT at Tesco Insurance had a mouth but no brain!

Thanks for the update about Tesco and for all the advice from others about alternative insurers.

I only want to insure for 1 year while Toddy is such a bumbling clown.

I usally put funds into a savings account for the others as I have public liability cover on my house insurance that covers the dogs should they cause an accident.
 
You should ring back to reinstate your insurance with Tesco and explain what the stupid customer advisor said. They should be told that their advisors are causing customers to cancel their policies! They may even have a record of who spoke to you last so they can be trained a bit better!

And if you behave really disgruntled you may even get a voucher or something! :lol: Well, it doesn't hurt to try!
 

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