i have one of mine still with m & S - However i did move my older dog (no pre-existing conditions) to their former underwriters, axa, as the excess once the dog had reached 9 years old was very high - £70 plus 15% excess for any claims....
that's my only reason for changing that dog over
bernice
just something to bear in mind if your dog is getting older - 9 for a Border Collie isn't old ! (and looking at my dog he doesn't know he's old and is nearly 11)...
M & S are not alone - another of the well-known insurers charged 30% excess once a dog reached 10 - i guess an older dog may be quite high
however if the premium & the excess are too high, you need to consider if worth carrying on with insurance.... or look elsewhere
The policy allows for £200 for food that leads to a diagnosis - they were using the special food to allow diagnosis, so they should pay for the food up and until the biopsy results that gave the diagnosis of Eosinophilic Gastroenteritis. I suspect the vet just didn't annotate the form correctly so hopefully we will get some - probably half of the £227 for food back!
The vet himself is annoyed that they don't consider the food in the same way as other prescribed drugs as it is an integral part of the treatment for the condition. Prescription food... prescription drug....
I didn`t realise that, hope they will sort that out for you soonest
I am thinking of changing providers as I am currently with Tesco but the maximum cover is £4000. After reading a few posts on here I realise a need £7000 cover, just in case. After seeing the positive comments on this thread I have just done a search for M&S pet insurance and found a website full of reviews slating it. The main reason being that when people's dogs have died and they have tried to cancel their insurance they have been told that they have a loan agreement with M&S and even though the pet has died and no longer needs cover they must pay the remaining months DDs of the 12month agreement . Has anyone else heard of this? Do all pet insurance policies work in this way?
I realise there will always be positive and negative reviews for all insurance providers but it seems pretty harsh to have to carry on paying insurance for an animal that has died.
that wasn't the case when i was insured with them (and axa was their underwriters)
however i guess if you are paying in instalments you should have the same as someone who has paid for annual cover in one hit - if they aren't given a refund then it makes sense that the same is with instalments (this is the case with some of the horse insurance)
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