Posted: Tue Jan 23, 2007 5:10 pm Post subject: M&S Pet insurance
Hi
Does anyone have M&S pet insurance and have re-newed after the first year. We've already made 2 claims against ours for vets bills (impressed by the service so far and seems good value) and I'm just wondering if they put their premiums up massively if you've made a claim....?
OK year one premium was £127 and I made about umm £200 of claims and year 2 premium is £205 -I think M&S put there premiums up as a matter of course after the first year so I dont think yours will go up as much. I know someone who claimed £600 in the first year and second year went up about £20 more than mine HTH
I have just had my insurance renewal through from M&S this morning, last year we paid £127 and this year it has gone up to £211 and they have also stopped the zero excess on vets bills and increased it to £50 - and we haven't even claimed anything. Has anybody else found that the zero excess has been pulled?
I think someone mentioned this before Nicki about the 0 excess being stopped but on closer inspection of the policy they found it hadn`t, apparently M&S are pretty ambiguous with their pilicys, but they still work out cheaper than most, luckily I`ve not had to use mine yet for CJ
I am really confused about what to do now. I went to my vet and they recommended Petplan because they insure for life but from what I have read M&S insure for life too and there is no maximum per illness
It doesn't really matter which I go for because my vet won't claim on my behalf I still have to pay myself and claim back.
we claimed every single little thing (just minor 'everyday' stuff like antibiotics) from M&S and our premium only went up the same as everyone elses. It seems like a big jump but still compares really well to other companies when you take the no excess into account.
I thought they'd stopped my no excess and put it to £50 too, but like Mary said, the wording on the letter was just rubbish and right at the end somewhere it says 'excess zero' or something like that. I rang and checked too and it's still zero!
We have just received our renewal and our monthly premium has gone up from £10.50 to £16.30. I am a little disappointed with this as it seems to be quite a high rise.
We made a claim of £200 in the last year but it was all paid, with no excess to be paid by us.
Our new schedule of insurance states:-
"If your pet is under 9 years of age at the time of Treatment, you must pay the first £50 of the Treatment costs per condition per period of insurance"
then at the bottom:-
"The veterinary fees excess (Section 1) is reduced to NIL".
Am not quite sure, but from the posts above, it looks like there isn't an excess to pay.
Despite being a little disappointed with the price increase, I was very impressed with the speed and efficiency in which they dealt with our claim.
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