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Pet Insurance - M&S, John Lewis or PetPlan?
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-Kate- Subscriber 07/08/2012 Offline
Here come the boys
lead trained
Joined: Aug 04, 2009
Age: -1985
Posts: 3875
19510 LabPounds
No.of Labs: 2
Lab Names: Diesel & Harry (lab x)
Location: Dukinfield
Gender: Female

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PostPosted: Mon Jan 30, 2012 6:29 pm    Post subject:   Reply with quote Scroll Down to Next postGo to last Post of PageTweet This Post

I have John Lewis for both boys.
Great service, quick payments and a great range of cover.

Ive claimed around £7000 for Diesel and his is now about £30 a month.
Ive not claimed for Harry and it just increased due to the VAT rate going up to 20%


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Kate, Diesel and Harry-bo
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fiz Subscriber 26/10/2012 Offline
doggys mum
lead trained
Joined: Jan 26, 2009
Posts: 2660
2654 LabPounds
No.of Labs: 3
Lab Names: Mischa, Bruno & Suzie
Location: Surrey
Gender: Female

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PostPosted: Mon Jan 30, 2012 6:34 pm    Post subject:   Reply with quote Go to Top of PageScroll Up to Previous postScroll Down to Next postGo to last Post of PageTweet This Post

Thanks Kate, I was wondering what they were like after claims and renewal came up, you have put my mind at rest, fortunately no claims yet for Suzie, but hey ho, you never know whats round the corner eh.

June


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Mel1970 Subscriber 27/09/2012 Offline
lead trained
lead trained
Joined: Sep 26, 2011
Posts: 1566
15083 LabPounds
No.of Labs: 2
Lab Names: Bella (DOB: 16/4/11), Shadow (Rescue DOB: 1/4/06)
Location: Cotswolds
Gender: Female

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PostPosted: Mon Jan 30, 2012 7:03 pm    Post subject:   Reply with quote Go to Top of PageScroll Up to Previous postScroll Down to Next postGo to last Post of PageTweet This Post

I'm with PetPlan, they are a bit pricey, but my vet claims directly from them so I don't need to pay the bill up front.

To add to that, I had only paid for 2 months when I lost Harry. The bill for Harry was nearly £2000 and they paid everything, apart from his cremation fees and the £75 excess. There was no change to my premium when I insured Bella and when I added Shadow and the cats, my premiums dropped.


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Owned by Bella, Shadow & Cats ....

Never forgetting Harry : 18/01/11 - 14/05/11 RIP
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EmmaLouise Subscriber 26/11/2012 Offline
house trained
house trained
Joined: Jan 17, 2011
Age: -1987
Posts: 145
1671 LabPounds
No.of Labs: 1
Lab Names: Tiana 3/12/11, Belle 14/9/10 - 26/11/11
Location: Essex
Gender: Female

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PostPosted: Tue Jan 31, 2012 12:42 pm    Post subject:   Reply with quote Go to Top of PageScroll Up to Previous postScroll Down to Next postGo to last Post of PageTweet This Post

Thank you all for your help.

We have ruled out M&S because of what has been said and the quote I recieved was for their lesser cover, they want too much for their top lifetime cover.

Thinking ahead, Petplan sound great from everyone's experiences and we will be getting another dog once Tiana has matured (in the lab sense of the word!) but they quoted £42/month. My OH said he won't pay that so maybe if Tiana hasn't developed any conditions when we get a second dog then petplan's multi discount might be a better option. But for now looks like John Lewis it is - they quoted £24/month for their top cover.

Thanks again Very Happy


____________
Emma

Always in my heart, my beautiful girl Belle 14/9/10 - 26/11/11

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Coco-Loco Subscriber 25/10/2012 Offline
lead trained
lead trained
Joined: Oct 28, 2009
Age: -1966
Posts: 3099
34350 LabPounds
No.of Labs: 1
Lab Names: Coco (DOB 31.8.08)
Location: West Yorkshire
Gender: Female

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PostPosted: Tue Jan 31, 2012 12:48 pm    Post subject:   Reply with quote Go to Top of PageScroll Up to Previous postScroll Down to Next postGo to last Post of PageTweet This Post

It would be worth you getting a quote from Direct Line too, I have always been happy with them and haven't found massive increases in the 3 years that I have renewed (only about £1 per month more each year). My vet deals direct with them so I only have to pay the excess and they have never quibbled over the amounts. They usually have some sort of incentive for the first year too.

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Pam & Coco

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Nanna07 Subscriber 29/12/2012 Offline
puppy walker
puppy walker
Joined: Oct 11, 2011
Posts: 304
2251 LabPounds
No.of Labs: 1
Lab Names: Minnie
Location: Ashtead Surrey
Gender: None specified

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PostPosted: Tue Jan 31, 2012 12:50 pm    Post subject:   Reply with quote Go to Top of PageScroll Up to Previous postScroll Down to Next postGo to last Post of PageTweet This Post

Hi
It could be worth telling petplan that you have a lowe quote for similar cover, they are open to a little bargaining. Also have a 10% off voucher in a magazine somewhere if you want me to find it.
It is such a hard decision.

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jcd  Offline
puppy walker
puppy walker
Joined: Aug 09, 2005
Age: -1972
Posts: 270
Posts Left: 0
1723 LabPounds
No.of Labs: 2
Lab Names: Tess (25/3/02) Grace (16/3/10)

Gender: Female

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PostPosted: Tue Jan 31, 2012 1:58 pm    Post subject:   Reply with quote Go to Top of PageScroll Up to Previous postScroll Down to Next postGo to last Post of PageTweet This Post

There is no VAT on pet (and most other types of insurance) just insurance premium tax which increased from 5% to 6% on 4/1/11.

Julia

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Mel1970 Subscriber 27/09/2012 Offline
lead trained
lead trained
Joined: Sep 26, 2011
Posts: 1566
15083 LabPounds
No.of Labs: 2
Lab Names: Bella (DOB: 16/4/11), Shadow (Rescue DOB: 1/4/06)
Location: Cotswolds
Gender: Female

Items
PostPosted: Tue Jan 31, 2012 7:19 pm    Post subject:   Reply with quote Go to Top of PageScroll Up to Previous postScroll Down to Next postGo to last Post of PageTweet This Post

I have Bella and Shadow insured with PetPlan for life up to a maxium of £6000 or 7000 a year (can't remember which) and their premiums are £28/month each. £42pm does sound a bit steep Shocked

____________
Owned by Bella, Shadow & Cats ....

Never forgetting Harry : 18/01/11 - 14/05/11 RIP
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-Kate- Subscriber 07/08/2012 Offline
Here come the boys
lead trained
Joined: Aug 04, 2009
Age: -1985
Posts: 3875
19510 LabPounds
No.of Labs: 2
Lab Names: Diesel & Harry (lab x)
Location: Dukinfield
Gender: Female

Items
PostPosted: Tue Jan 31, 2012 7:25 pm    Post subject:   Reply with quote Go to Top of PageScroll Up to Previous postScroll Down to Next postGo to last Post of PageTweet This Post

jcd wrote:
There is no VAT on pet (and most other types of insurance) just insurance premium tax which increased from 5% to 6% on 4/1/11.

Julia


That could have well been what they were talking about, i didnt pay much attention to them if im honest because i was still happy to pay what they were asking.


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Kate, Diesel and Harry-bo
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Coco-Loco Subscriber 25/10/2012 Offline
lead trained
lead trained
Joined: Oct 28, 2009
Age: -1966
Posts: 3099
34350 LabPounds
No.of Labs: 1
Lab Names: Coco (DOB 31.8.08)
Location: West Yorkshire
Gender: Female

Items
PostPosted: Tue Jan 31, 2012 7:37 pm    Post subject:   Reply with quote Go to Top of PageScroll Up to Previous postScroll Down to Next postGo to last Post of PageTweet This Post

Nanna07 wrote:
Hi
It could be worth telling petplan that you have a lowe quote for similar cover, they are open to a little bargaining. Also have a 10% off voucher in a magazine somewhere if you want me to find it.
It is such a hard decision.


That might make your first year a bit cheaper but it wouldn't help after that. You really need to start off with the company that you plan to stick with because once you have anything on your vetinary record it becomes an existing condition for evermore.


____________
Pam & Coco

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