M&S Pet Insurance

[charliebubs]

I'm with M&S for all my cats (apart from Lily who has a special breeding policy with PetPlan) and have been really happy with them. I particularly chose them in the first place as they offered the option to have no excess by paying a slightly higher premium. This has been brilliant for me and the vets costs incurred of late with Abi and Bernard.

However.....................

I had a letter from them this morning to say that they are no longer offering no excess and that upon renewal of the policies any cat under 9 years old will have a £50 excess. (Cats older than 9 have a £50 excess plus 15% of the total vets costs too).

I'm sooooooooooooooooooooooo not happy about this.

[dinahsmum]

Typical insurance - lend you an umbrella till it starts raining .....

[Jac]

Typical. There probably finding it expencive and we all know how insurance companys like to make loads of money and not pay out!!!!!!

I would be unhappy about that too.

[Fran]

All the pets I have insured are insured with Petplan. I know there are others that are cheaper/no excess incentives etc but I have never had any problems with Petplan and have always been very happy.

[charliebubs]

I've never had a problem with PetPlan either, Fran, but they put their prices up last year and so I decided to shop around. M&S have been good and paid out quickly etc, but are now withdrawing their incentive of no excess.

I may go back to PetPlan now, or try Tesco.

[Kay]

That sounds about right, Charlie. All my babies go with Petplan insurance and there has never been a problem with them.

[Kim]

All mine were with Petplan and I had no problems with them, but theyir prices went up sky high. Now all mine are insured with M & S, no doubt I will be getting a letter too, you are right not to be happy.

After doing a search I have still found M & S to be the best valaue for money. I think most of the insurance companies premiums have risen.

Charlie, be careful about Tesco as I think their policy only covers conditions for 12 months rather than the life of the policy. Absolutely no good if your pet develops something like epilepy.

[charliebubs]

Originally Posted by Kim

All mine were with Petplan and I had no problems with them, but theyir prices went up sky high. Now all mine are insured with M & S, no doubt I will be getting a letter too, you are right not to be happy.

After doing a search I have still found M & S to be the best valaue for money. I think most of the insurance companies premiums have risen.

Charlie, be careful about Tesco as I think their policy only covers conditions for 12 months rather than the life of the policy. Absolutely no good if your pet develops something like epilepy.

I'm sure you'll get the letter too Kim when you come up for renewal

Tesco have two options, one is for 12 months and the other is for life.

I'm not sure what to do, but I kind of feel that I want to leave M&S now out of principle!!! lol

[Kim]

Yeah, I can understand how you feel!

That's good that Tesco do a life cover now. Probably get clubcard points too!

[catmadjax]

THIS IS NOT GOOD, I am with M&S too! have been for 3 years, my one cat is 17 and i have had alot of vets fees, I find them extremley slow in paying up! The other cat has no excess and ive not had a letter to say otherwise???? I pay very high premiums for my older cat, about £11 per month and £6.50 for the other 5 year old. I think i might ring them about this.