Pet Insurance

[chelynnah]

Join our free community today.

Connect with other like-minded dog lovers!

Login or Register

:wacko: right, this is now sorted out. The £205 was a mistake but they're refunding me. The Nil Excess is back on the policy :thumbsup: Feeling happier.

<{POST_SNAPBACK}>

​

Glad you got that sorted - if they've quoted you one price for renewal they can't take a different one (unless it's lower).

W

 

[fallenangel]

well i thought I would check m&s out on line for ninny and i got quoted £118 no excse it eams odd theres such a differnce in prices

 

[whippynit]

Just been reading the FAQ re insurance as im thinking off going with M and S, but whats the story with them now? is it still no excess, etc or is that just for old customers now? ( Mean old as in 'existing' LOL !) :cheers:

 

[chelynnah]

Just been reading the FAQ re insurance as im thinking off going with M and S, but whats the story with them now? is it still no excess, etc or is that just for old customers now? ( Mean old as in 'existing' LOL !) :cheers:

<{POST_SNAPBACK}>

​

Lisa I'm not sure, I'm an existing customer and I still have my NIL excess, which I do pay extra for. Have a look at their website and see. They do have several different excess options which are different prices.

I have to say that although the premiums went up I've stuck with them - they're still slightly less than Pet Plan (who I was with previously), their old age policy is FAR better than PetPlan with regard to % and excess etc (which I have to consider since Chelsea is now 9 1/2), they also offer a discount for addition dogs after the first (PetPlan don't - or didn't) and overall they've paid out pretty well for us. We had a LOT of claims last year - had a few bad months at the end of the year - and they paid out everything. I like the no excess as it means I can claim back things under £50. If it's the odd £10 I don't bother, but I do claim back if it's much more than that (though usually things have been MUCH more!).

The only thing I say with looking at any insurance as there are more out there offering similar products is check the fine print. Is the amount you can claim limited? With M&S it's either £6,000 or £7000 per year (not per condition) but that 7,000 is reinstated every single year. Some it's a maximum of 1 year or £2000 whichever you get to first and that's no good with ongoing lifelong treatments.

I think More Than was £7,000 over the life of the dog when I was looking at it, which sounds a lot, but can go pretty quick with one bad accident.

So look at the small print. A lot of the ones that sound good are really only good for a year or two then you're stuck.

Wendy

 

[whippynit]

thanks Wendy, :cheers: I will look at their website - i was jsut being a bit lazy and thought id come on here first :lol: Id been trawling back through all the insurance posts on FAQ and theres so many :sweating: , it seemed that the general feeling was M and S was by far the best policy - and then i got to the recent posts saying about them adding an excess and premuims gone up , etc so then i started to get abit confused! Im sure id read on here somewhere about a 'Argos' one?

Will have a look anyway, thanks :thumbsup:

 

[chelynnah]

thanks Wendy,  :cheers: I will look at their website - i was jsut being a bit lazy and thought id come on here first :lol:   Id been trawling back through all the insurance posts on FAQ and theres so many :sweating: , it seemed that the general feeling was M and S was by far the best policy - and then i got to the recent posts saying about them adding an excess and premuims gone up , etc so then i started to get abit confused!  Im sure id read on here somewhere about a 'Argos' one? 
Will have a look anyway, thanks :thumbsup:

<{POST_SNAPBACK}>

​

The last time I looked at the Argos one it was something like £2000 per condition or for one year whichever came first. So really it was no good for more than a year.

What you want to look for is Cover for Life - where there's a set amount reinstated every year, and each condition is treatable for life.

Stay away from E&L - they will find any loophole to not pay and delay paying for months. Vets hate them and so does anyone who's ever tried to make a serous claim.

Wendy

 

[jok]

thanks Wendy,  :cheers: I will look at their website - i was jsut being a bit lazy and thought id come on here first :lol:    Id been trawling back through all the insurance posts on FAQ and theres so many :sweating: , it seemed that the general feeling was M and S was by far the best policy - and then i got to the recent posts saying about them adding an excess and premuims gone up , etc so then i started to get abit confused!  Im sure id read on here somewhere about a 'Argos' one? 
Will have a look anyway, thanks :thumbsup:

<{POST_SNAPBACK}>

​

The last time I looked at the Argos one it was something like £2000 per condition or for one year whichever came first. So really it was no good for more than a year.

What you want to look for is Cover for Life - where there's a set amount reinstated every year, and each condition is treatable for life.

Stay away from E&L - they will find any loophole to not pay and delay paying for months. Vets hate them and so does anyone who's ever tried to make a serous claim.

Wendy

<{POST_SNAPBACK}>

​

Hi Lisa & Wendy

I've got Ruby insured with ARGOS after M&S price hike. It is costing £10.92 per month for platinum cover which is £6000 per year for vets fees - a good level of cover and a lot bigger than you thought Wendy

I had a good look around and couldn't find a better one at that price. Excellent cover and great price :thumbsup:

 

[whippynit]

thanks Wendy,  :cheers: I will look at their website - i was jsut being a bit lazy and thought id come on here first :lol:    Id been trawling back through all the insurance posts on FAQ and theres so many :sweating: , it seemed that the general feeling was M and S was by far the best policy - and then i got to the recent posts saying about them adding an excess and premuims gone up , etc so then i started to get abit confused!  Im sure id read on here somewhere about a 'Argos' one? 
Will have a look anyway, thanks :thumbsup:

<{POST_SNAPBACK}>

​

The last time I looked at the Argos one it was something like £2000 per condition or for one year whichever came first. So really it was no good for more than a year.

What you want to look for is Cover for Life - where there's a set amount reinstated every year, and each condition is treatable for life.

Stay away from E&L - they will find any loophole to not pay and delay paying for months. Vets hate them and so does anyone who's ever tried to make a serous claim.

Wendy

<{POST_SNAPBACK}>

​

Hi Lisa & Wendy

I've got Ruby insured with ARGOS after M&S price hike. It is costing £10.92 per month for platinum cover which is £6000 per year for vets fees - a good level of cover and a lot bigger than you thought Wendy

I had a good look around and couldn't find a better one at that price. Excellent cover and great price :thumbsup:

<{POST_SNAPBACK}>

​

Thanks for the advice wendy, i'll stay away from E and L then! I wouldnt of know if you hadnt of said :thumbsup:

Jo, Is the 6,ooo on the Argos cover renewed the next yr still if theres an ongoing condition do you know? or once youve claimed once on a problem is that it? :unsure:

 

[jok]

thanks Wendy,  :cheers: I will look at their website - i was jsut being a bit lazy and thought id come on here first :lol:    Id been trawling back through all the insurance posts on FAQ and theres so many :sweating: , it seemed that the general feeling was M and S was by far the best policy - and then i got to the recent posts saying about them adding an excess and premuims gone up , etc so then i started to get abit confused!  Im sure id read on here somewhere about a 'Argos' one? 
Will have a look anyway, thanks :thumbsup:

<{POST_SNAPBACK}>

​

The last time I looked at the Argos one it was something like £2000 per condition or for one year whichever came first. So really it was no good for more than a year.

What you want to look for is Cover for Life - where there's a set amount reinstated every year, and each condition is treatable for life.

Stay away from E&L - they will find any loophole to not pay and delay paying for months. Vets hate them and so does anyone who's ever tried to make a serous claim.

Wendy

<{POST_SNAPBACK}>

​

Hi Lisa & Wendy

I've got Ruby insured with ARGOS after M&S price hike. It is costing £10.92 per month for platinum cover which is £6000 per year for vets fees - a good level of cover and a lot bigger than you thought Wendy

I had a good look around and couldn't find a better one at that price. Excellent cover and great price :thumbsup:

<{POST_SNAPBACK}>

​

Thanks for the advice wendy, i'll stay away from E and L then! I wouldnt of know if you hadnt of said :thumbsup:

Jo, Is the 6,ooo on the Argos cover renewed the next yr still if theres an ongoing condition do you know? or once youve claimed once on a problem is that it? :unsure:

<{POST_SNAPBACK}>

​

http://www.bdmlconnect.co.uk/ArgosPetInsurance/benefits.htm?

Lisa, here's the link

With platinum cover the cover is up to 6,000 per condition and rolls onto the next year/s. So you can keep claiming for the same problem. This isn't the case with the cheaper policies but as i say, it was £10.92 for platinum cover for Ruby :thumbsup:

 

[whippynit]

thanks Wendy,  :cheers: I will look at their website - i was jsut being a bit lazy and thought id come on here first :lol:    Id been trawling back through all the insurance posts on FAQ and theres so many :sweating: , it seemed that the general feeling was M and S was by far the best policy - and then i got to the recent posts saying about them adding an excess and premuims gone up , etc so then i started to get abit confused!  Im sure id read on here somewhere about a 'Argos' one? 
Will have a look anyway, thanks :thumbsup:

<{POST_SNAPBACK}>

​

The last time I looked at the Argos one it was something like £2000 per condition or for one year whichever came first. So really it was no good for more than a year.

What you want to look for is Cover for Life - where there's a set amount reinstated every year, and each condition is treatable for life.

Stay away from E&L - they will find any loophole to not pay and delay paying for months. Vets hate them and so does anyone who's ever tried to make a serous claim.

Wendy

<{POST_SNAPBACK}>

​

Hi Lisa & Wendy

I've got Ruby insured with ARGOS after M&S price hike. It is costing £10.92 per month for platinum cover which is £6000 per year for vets fees - a good level of cover and a lot bigger than you thought Wendy

I had a good look around and couldn't find a better one at that price. Excellent cover and great price :thumbsup:

<{POST_SNAPBACK}>

​

Thanks for the advice wendy, i'll stay away from E and L then! I wouldnt of know if you hadnt of said :thumbsup:

Jo, Is the 6,ooo on the Argos cover renewed the next yr still if theres an ongoing condition do you know? or once youve claimed once on a problem is that it? :unsure:

<{POST_SNAPBACK}>

​

http://www.bdmlconnect.co.uk/ArgosPetInsurance/benefits.htm?

Lisa, here's the link

With platinum cover the cover is up to 6,000 per condition and rolls onto the next year/s. So you can keep claiming for the same problem. This isn't the case with the cheaper policies but as i say, it was £10.92 for platinum cover for Ruby :thumbsup:

<{POST_SNAPBACK}>

​

Thank you Jo :thumbsup:

 

[~Helen~]

thanks Wendy,  :cheers: I will look at their website - i was jsut being a bit lazy and thought id come on here first :lol:    Id been trawling back through all the insurance posts on FAQ and theres so many :sweating: , it seemed that the general feeling was M and S was by far the best policy - and then i got to the recent posts saying about them adding an excess and premuims gone up , etc so then i started to get abit confused!  Im sure id read on here somewhere about a 'Argos' one? 
Will have a look anyway, thanks :thumbsup:

<{POST_SNAPBACK}>

​

The last time I looked at the Argos one it was something like £2000 per condition or for one year whichever came first. So really it was no good for more than a year.

What you want to look for is Cover for Life - where there's a set amount reinstated every year, and each condition is treatable for life.

Stay away from E&L - they will find any loophole to not pay and delay paying for months. Vets hate them and so does anyone who's ever tried to make a serous claim.

Wendy

<{POST_SNAPBACK}>

​

Hi Lisa & Wendy

I've got Ruby insured with ARGOS after M&S price hike. It is costing £10.92 per month for platinum cover which is £6000 per year for vets fees - a good level of cover and a lot bigger than you thought Wendy

I had a good look around and couldn't find a better one at that price. Excellent cover and great price :thumbsup:

<{POST_SNAPBACK}>

​

Thanks for the advice wendy, i'll stay away from E and L then! I wouldnt of know if you hadnt of said :thumbsup:

Jo, Is the 6,ooo on the Argos cover renewed the next yr still if theres an ongoing condition do you know? or once youve claimed once on a problem is that it? :unsure:

<{POST_SNAPBACK}>

​

http://www.bdmlconnect.co.uk/ArgosPetInsurance/benefits.htm?

Lisa, here's the link

With platinum cover the cover is up to 6,000 per condition and rolls onto the next year/s. So you can keep claiming for the same problem. This isn't the case with the cheaper policies but as i say, it was £10.92 for platinum cover for Ruby :thumbsup:

<{POST_SNAPBACK}>

​

we've gone for the platinum and it was the same price as yours, Jo, and MUCH cheaper than our other two who are on M&S. I think Argos had only just started doing Platinum when we applied for Monty (Feb this year) but the cover looked pretty much the same as M&S (although obviously £6000 rather than £7000 limit). It's a lifetime policy :thumbsup:

 

[chelynnah]

Thanks for the info Jo - It's been a while since I looked, that's why I always say look for a lifetime cover.

It's always worth looking round at everything every few years to see what's out. Sometimes you're locked in if you end up with a long term condition, but certainly worth looking at other policies if either you don't have any exclusions or have a new animal. That's when I started looking and found M&S when they started - when we got Teya. At the time all 3 insured with M&S was only £2 or so more p/m than having 2 insured with PetPlan which was really one of the only other few doing the lifetime at the time, so we moved 2 from PetPlan and started Teya on M&S from teh beginning.

Wendy