Written on: 10/05/2013 by fencemaster (4 reviews written)
This is the best example of how a company provides a low cost insurance product - it's by not paying out! Look as closely as you like at the Ts and Cs of the policy before you get seduced by the low low Tesco price, you'll be kicking yourself mightily when you get an £800 vet bill, followed (in my experience) 6 weeks later by a call from Tesco explaining exactly which part of the small print states that they don't have to pay you. As glorified a scam as you're ever going to come across.... (read more)
Written on: 06/05/2013 by bigkevsuk (4 reviews written)
had pet insurance with tesco over eight years never made a claim, had to make a claim after surgery at vets, would not pay out, they said as we had visited vets a year ealier with a small lump on here chest which the vet said was nothing to worry about,we could not claim this company just ripped us off for over eight years, left us with large vets bill, (read more)
Written on: 03/04/2013
I have both my golden retrievers insured with Tesco. I hadnt even had the policy 6 months when I needed to claim for a rt cruciate ligament operation...no quibbles, they paid up. And then a month after the rt leg was operated on the lt leg also needed the operation. Again, they paid up. Really cant fault them, I had paid around £108 in premiums and they paid up over £2200 for each leg. And to top it all, the quote for this years cover is the cheapest around!! (read more)
Written on: 20/03/2013
this is my 3 lot of dogs(all GSDs) insured with Tesco. One was on medication due to an incurable illness they never quibled and paid for meds and treatment. The second was very disstreeingly involved in a road accident and was killed out right, they paid out the purchase price of our beloved dog and were very sympathetic when we phoned to claim. My third lot of dogs (all German Shepherds)have various claims over the years from tummy troubles to allergies I have never had a problem with any... (read more)
Written on: 27/02/2013 by gezmond (1 review written)
Firstly just to say I do not normally write reviews......We had Tesco Pet insurance for about 6 years before we recently lost our beloved Murphy. Over this time we made a number of claims which were all paid promptly, as per the policy details. All I would say is that you need to read what the Policy details are before you take out the policy. We chose Tesco because we wanted to be covered for claims that were of a higher claim value. We were not worried about a relatively high excess. ... (read more)
Written on: 27/02/2013 by Richard003247
I have an elderly dog and so premiums have typically gone up year on year. I am now paying £890 pa and have never claimed even though the dog has been to the vets for a number of issues. Finally thought silly not to claim and so claimed for 2 things: 1) Cushing's Disease & 2) Rotten teeth/Gum Disease. Tesco's Insurance will only pay out for the first 12 months of a condition and apparently don't cover bad teeth at all! In a nutshell; paid out £2000 in premiums in the last 28 months,... (read more)
Written on: 19/02/2013
I have been paying my policy premiums now for 8 years and have just had a claim declined. They say a previous claim 4 years ago is related to this claim even though the illness is in a different part of my dog's body. I have been paying for the treatment on a credit card having been assured it would be covered under the policy, now they will not pay out and I am stuck with a large credit card bill! The policies are not worth the paper they are written on. Put away a monthly amount to pay... (read more)
Written on: 19/02/2013 by sallyandizzy
Took out Tesco Pet Insurance for my older dog and can't praise them enough, they were very helpful and kind during the last few months of her life. Yes her policy premium went up each year but not by much only a couple of pounds, that is to be expected when you are claiming each month. I read the conditions before taking out the policy so l knew that they wouldn't pay out for euthanasia etc, but everything else they did pay for. From putting in the claim form to being paid out took around... (read more)
Written on: 29/01/2013 by scunner (1 review written)
We have only had Tesco pet insurance for one year but when one of our cats got poisoned having to have a weekend stay at an out of hours vets for 3 nights including being on a drip and a stay in an oxygen machine Tesco paid promptly. Our bill was quite high given the above but Tesco and the Vet sorted it all out between them. We got a letter from Tesco confirming they had paid and the amount paid. It really was that simple. They covered the follow up tests our cat had to have to test... (read more)
Written on: 24/01/2013 by moll66
I have paid to Tesco for 13 years, used it once to find my 'extra' policy which I pay nearly £50 per month for covers me for very little. My dog is now very poorly and they do not cover Euthanasia or Cremation or any kind of assistance towards any of the costs. A family member who pays for a much cheaper policy for her older dog had half of the bill covered for her dog, plus dental and other extra's that tesco do not cover. I WOULD NOT RECOMMEND TESCO. Please avoid and do your research on... (read more)
Written on: 23/01/2013 by ChristopherDB
Our dog is very ill Tesco's will not fund a home visit for emergency attention despite our property being cut off by snowdrifts.The vets in our area all have landrovers. YOU ARE WARNED 7 years this is the only claim I have tried to make plus one for skin infection which was declineda s he had apatch of ezema when he was 5 months old,cause this time was allergic,but Tesco's hid behing an unrelated condition . YOU GET WHAT YOU PAY FOR THIS POLICY IS CHEAP BUT THEY HIDE BEHIND ANY WORDING... (read more)
Written on: 06/12/2012 by Wastedmoney
My dog has seasonal allergies He is now three years old. The first year it wasn't bad and he required a few anti histamine tablets which I just paid for without claiming on my annual pet insurance. The second year it got slightly worse but managable. This past summer he has been really bad with it and the vet advised allergy testing. Twice I rang Tesco pet insurance to confirm that he would be covered and was reassured that he was because I hadn't made a claim. Today the vet referred him and... (read more)
Written on: 05/12/2012 by Bernie1999
I have had Tesco Pet Insurance for 4 years on both my dogs. Recently I let the policy lapse by 1 day over their 10 day period, which by the way had it been the other way would have been 10 working days which would have meant the policy would still be valid to reinstate and I could have paid the missing premium. So had to take out a new policy with the usual 14 day period on claims. The day after the policy start date one of my dogs had an accident which resulted in her having a very... (read more)
Written on: 06/11/2012
We initially made a claim nearly 3 years ago when our cat became ill over the new year and had to stay at the vets and undergo lots of tests. On this occasion they paid out and we had no problems. Unfortunately our cat then fell ill again in January 2012. Again he was admitted to the vets and had several tests. Thankfully he has made a full recovery. However we received a letter from our vets in July 2012 saying that the bill still hadn't been paid. After ringing Tesco pet insurance they... (read more)
Written on: 31/10/2012 by Donnywolf
My dog was diagnosed with stomach cancer in August after she had been under the vets since May. Unfortunately she'd had a tummy upset when I took out the insurance and they have used that to claim it was a pre- existing condition even though the symptoms were different as they have a 14 day rule that they won't cover anything during the 1st 14 days. Whilst I accept that they have every right to go through medical records what has really annoyed me is that it has taken them three months to... (read more)
Written on: 24/09/2012 by PennieP
I can not fault Tsco Pet Insurance..they have paid every single bill My vet has sent them..l have racked up nearly £2000 and paid every single time.......Well Done Tesco I could never had given my dog the chance she deserved without you......l (read more)
Written on: 23/09/2012
I've been with the policy for quite a few years. Year on year Tesco has ramped up monthly payments as my dog has gotten older. So by now I have probably paid in well excess of £2,000. I have been refused half of the 4 claims I have made over the 6 years or so since I started paying. I would advise anyone with a pet to put a monthly amount to one side and save it up for when the pet is ill. If it doesn't get ill you will have a lump some to spend on something else! (read more)
Written on: 21/09/2012
Don't be fooled by a cheap quote! My dog had a dematoid cyst removed, tescos know full well another company won't cover this - my renewal is sky high but I have no choice but to pay it - nothing but modern day highway men robbing people of their money. They have no value for their customers you will just be a number to them - I wish I'd never fallen for their cheap quote! (read more)
Written on: 18/08/2012 by groomee (1 review written)
Our sprocker is just over one year old, when we got her last year I watched her bounding around the garden and thought "this dog needs insurance" we had an older dog which we had never insured but watching this lively little bundle I just knew it would be a mistake not to insure her....how right I was with-in weeks she had had a run in with a car, luckily she was only clipped and only broke a tiny bone in her foot, but Tescos were brilliant thay paid out really quickly and were very helpful.... (read more)
Written on: 04/07/2012 by mickcleary
This is a very inferior Pet insurance product, avoid at all costs. I advise anyone against taking out this Insurance, compared to other companies charging similar or cheaper premiums. Our puppy Max had developed a kidney problem at 16 weeks which was incurable and we had to make the heartbreaking decision to have him put to sleep when he was 18 weeks old. This was under advice of the vet who said there was no way forward for Max, other than a slow uncomfortable death. After speaking to... (read more)
Written on: 19/10/2012
I think you will find that no insurance policy covers being PTS. When our dog was diagnosed with cancer they were nothing but helpful, every bill we submitted they paid promptly and without question. Even when we had to use the out of hours service which was £100 just to go through the door they paid without fuss! I personally can't rate them highly enough.
Written on: 25/05/2012
I have had tesco pet insurance for several years and have had to claim for one of my dogs. There was no problem with getting the money from them. The only thing that annoys me about this policy is that they will not except payment in full but insist you pay monthly by direct debit. Surely it should be a persons choice as they are still getting their money. I would love an answer from Tesco Pet Insurance as to why this is as I have never came across this with any other business eg Car... (read more)
Written on: 22/12/2012
I read your blog.and its very intresting to read this.thank you.
Written on: 04/05/2012 by danny_bowles (1 review written)
Insured with Tesco Pet Insurance for five years...never claimed. Dog has dry eye now. Phone call went something like this: HER: "Has your dog ever had any kind of trouble with his eyes before?" ME: "Um...well yes we did have one minor incident about there years ago and took him to the vet but it all cleared up" HER: "In that case it's a pre-existing condition and he' not covered sir" (she sounded like she was chewing gum and filing her nails" ME: "Um...but we didn't claim for that... (read more)
Written on: 29/06/2012
I have just experienced exactly the same!
4 years of paying the insurance without any claims.
18 months ago my dog was experiencing some itchiness and my vet gave him some shampoo which cost me £12.
Now my dog has developed an amazing number of alergies and I have spent £700 on treatment. Tesco say the treatment started when I purchased the shampoo so refuse to pay for treatment.
I will never use any of Tescos facilities again.
And I gather I am one of many!
Is it true that Watchdog are investigating this business?
Written on: 03/05/2012 by fiona1678
My cat needed a tooth removed because of Gum disease...tried to claim...they said it wasn't covered unless the tooth removal was due to a disease ! When I argued yes it was....they said oh Gum Disease isn't classed as a disease ! Never use them...Charlatans ! (read more)
Written on: 01/05/2012 by kimmyT
Our three beloved cats were poisoned with antifreeze, after great care from the vets sadly the only choice we had was euthenasia for them. After having the cats insured with Tesco for thirteens, it was an insult that they won't pay £2 for special food (cat food) and not to cover euthenasia for the three cats, I have been a loyal customer for thirteen years, and now feel very disgruntled. I would never recommend Tesco pet insurance. (read more)
Written on: 22/04/2012
I had insured my dog since he was a pup. At 4 years old (over 3,000 paid to insurance at this point), he bagan to have high temperature and recurrent infections. When I rang tesco they said they wouldn't pay out until the health issue was resolved, and knew why these recurrent infections occured. This went on for some time. Repeated visits to vet for consultation, investigations and medication. I kept on contact with tesco telling them the vet could still not find a cause. This went on for... (read more)
Written on: 25/03/2012 by AlisonandStarr (1 review written)
I am so upset. I have paid £4000 for pet insurance over the years with Tesco. Now my dog needs to be put to sleep and they don't pay for her Euthanasia or a Creamation. The woman I spoke to said 'it's in you policy'. Cold. I hate them and hope they read this, nasty nasty nasty I shall never set foot in Tesco's again and I spend £5000 a year on groceries, the same again on Petrol. Big Mistake. Avoid at all costs. Alison J - policy number T30049327 (read more)
Written on: 29/04/2012
Tesco paid up for a cruciate tear - my only claim but when the premium went up by 45% and I phoned to cancel they were SO rude and arrogant. I was having a bad day so said I'd think about it. I now feel stronger and god help chummy if he starts lecturing me again. I'm outta Tesco for good!! Oh, and we all know dogs have two knees, well if the cruciate goes in the other knee it's a pre-existing condition and NOT covered. Hellloooo! THEY'RE BEYOND BONKERS AND SURLY TO BOOT.
Written on: 29/04/2012
Agreed; they are unkind, rude arrogant and ice cold. They paid for a cruciate repair - great and so far so good (I had paid nearly 2 k in premiums by now and never claimed) then hiked up the monthly cost and said they'd exclude the other cruciate if it went. In 40% cases this does happen. I explained that as a dog had 2 knees, if it tears one ligament and then another goes the condition is in a different limb and as my vet said NOT a pre-existing condition. OMG, this high and mighty inarticulate "youth" lectured me on physiology.I am medically trained - people not animals - and what he spouted was rubbish. I reckon Tesco prefer animals in stores in the chilled cabinet. Heartless. It wasn't omly the price hike but mostly his rudeness. Bye bye Tesco.
Written on: 07/03/2012
Took out Tesco insurance online for my cat. He developed Gingivitis which needed several hundred pounds worth of treatment. When I came to claim Tesco told me that in their little book of get out clauses dental problems where not covered. Not much good having insurance then!! Obviously my cat can now never be insured for gum problems as it is now a known problem. Be careful when buying insurance check all the small print and don’t use tesco. (read more)
Written on: 03/03/2012
Set up the direct debit. They never took it. Set it up 5 times in the end and they neverer took it from my bank. Wouldn't accept payment any other way though!!! So how the hell am I meant to pay them? And then I get letters threatening to cancel my policy!! Never will I go with them again!!! Unnecessary stress! (read more)
Written on: 03/02/2012 by lmarsh88 (1 review written)
my dog needed an operation after straining his achilles tendon. we rang tesco to see if they would pay out they said yes ,so emailed us the forms. They sent the cheque within 14 days which i felt was quick. cant complain at all tesco were very helpful. (read more)
Written on: 29/01/2012 by SueW01
Our 12 year old Lurcher recently had her leg broken by another dog. It happened on Boxing day and so she spent 2 1/2 days at the emergency vets before our own vet could operate. This meant two claim forms. A week after posting I received the amount for one bill. I phoned Tesco's and they agreed that they hadn't sent the total amount and said they would fast track the second bill. Again it only took a week to receive the cheque. I was really surprised at how quickly it was all settled, how... (read more)
Written on: 19/03/2012
Hi, Tesco Website states that the policy amount will NOT increase in the event of you making a claim. Just google Tesco bank claim and policy increase. Good luck
Written on: 14/01/2012
My 13 year old labrador needed vetinary attention after I discovered a lump (his lymph nodes were enlarged). The vet examined him and took some fluid from the lymphs but this was inconclusive so they needed to operate to take a biopsy. While he was under aneasthetic they xrayed his chest and gave him a thorough examination. The vet found he had an enlarged heart and shadowing in his lungs, which was why his lymphs were enlarged. This was in early December and the claim was submitted when... (read more)
Written on: 29/11/2011 by jordana1717
I have had four dogs insured with tesco for several years. I took them all to my vet for a booster injection. The vet inspected each dog in turn and stated one had a baby tooth that had displaced an adult tooth and had caused a gum infection. He recommended it was removed asap. I asked for a claim form from tesco and they supplied it. The vet then submitted the claim for £129.45 ( less £60 excess). After 4 weeks the claim was refused as they stated they do not cover dental treatment. Why... (read more)
Written on: 14/11/2011
Have not claimed on this, and seems quite good value. However absolute nightmare trying to use clubcard vouchers. They did not send the form initially, then did after a few reminders. Then never acknowledged receipt and never receieved credit. After countless phone calls established that they did receive vouchers, however still no credit as Clubcard say its pet insurance issue and vice versa. Also, because I bought insurance and wife's name on clubcard they wont talk to either me or my wife... (read more)
Written on: 09/11/2011 by Heather82
After my Rottweiler had to have an operation to have something removed from his intestine I decided to read Tesco pet insurance reviews. I'll admit I was very worried after reading all the bad reviews especially after handing over nearly a months wages to my vet! I called to day after Riley had his operation and the lady I spoke to was very helpful and answered all the questions I fired at her as this is the first time I've claimed. My vet filled in the forms and sent them off on the... (read more)
Written on: 23/09/2011
They are refusing to pay on my claim because they are trying to link my pets condition to a separate issue last year which I claimed for. My vet has written to explain they are not linked and yet Tesco underwriters are adamant that their knowledge is more superior to my well qualified and experienced veterinary practice & surgeon. My veterinarian has stressed to Tesco that this is a separate unlinked incident but Tesco knows best, now having to seek the help of the Insurance Ombudsmen to... (read more)
Written on: 13/09/2011 by flossytop (1 review written)
Having being told that my beloved dog was terminaly ill i cancelled my policy, i was told to cancel direct debit which i did, then received a letter to confirm that policy cancelled. Today three weeks after my dog was sadly put to sleep i have received a letter from their Debt recovery department for one months premium. I have phoned them which i found very distressing and they simply dont give a damn, they want the payment.This year alone i have paid in premium's £502.56p and made one... (read more)
Written on: 30/07/2011
We have had our dog insured with tesco for three years. In that time we have claimed about three times and had an ongoing claim. When I have phoned them to report a claim the staff have been very professional and friendly. The claim forms have always arrived within a few days and then when ive taken the form to the vets to fill in and send off, the cheque has normally been posted to me within a couple of weeks. I might be able to get a cheaper policy elsewhere but I would stick with Tesco... (read more)
Written on: 15/07/2011 by HockleySue
I don't recognise the experience that other reviewers have had with Tesco Pet Insurance as it is nothing like the two instances where I have had to claim with them recently. My two younger cats (sisters aged two) have been insured with Tesco since kittens. I have had two claims for Amber which were both settled immediately and with no fuss. Each time was an emergency and she was taken to Medivet, high end costs but really good service. The first time (August 2010) was a laceration caused,... (read more)
Written on: 11/07/2011 by Jadzia2011 (1 review written)
They took payment for a renewal of policy on a dog that had died two months earlier after I had cancelled the direct debit on the old policy and e-mailed them to cancel the policy. What's more they have refused to refund the one monthly payment they have taken saying the policy had not been cancelled! This was after they had already pass the debt on the debt collectors for the final months payment on the old policy after I had cancelled the direct debit. It seems all their customer... (read more)
Written on: 13/09/2011
Having the same problem, our pet dog died in June 2011 I phoned Tesco tp advise them the week after. They have taken July and August payments and although agreeing to refund on two occassions still no sign of the money in September, they even tried to take the Sept Direct Debit!!!
Written on: 10/07/2011 by Buffy (5 reviews written)
Having seen the 1/2 price for 1 year offer I took out this insurance on my 11yr old weimaranar. We had had pet insurance previously but the cover was for lots of extras we didn't require and getting too costly because of the dogs age. Tesco covered for vets fees which was all we required. 4 months into the policy my dog developed Pyometra and had to have an emergency operation. Tesco paid up within 3 weeks which was great. Unfortunately within one week of the 1st condition my dog developed... (read more)
Written on: 07/07/2011
Useless service and a TOTAL waste of money. This company will delve for any excuse not to pay out. Would certainly be better off paying a bit more for pet insurance to a reputable company that cares and will pay up when a claim is made. (read more)
Written on: 19/07/2011
Having the same problem but fighting Tescos. The policy isn't clear, it has grey areas, staff also don't appear to be able to answer questions on policy cover.
Written on: 20/05/2011
its a rip off- dont insure your pet with tesco they have new underwriters and they will find an excuse not to pay out-you may as well throw your money out the window (read more)
Written on: 18/05/2011
My dog was diagnosed with Perianal fistulas, which required treatment with an expensive drug. We initially let the vet sort out all the insurance, but to get the drug cheaper we got a prescription from the vets and ordered it from an on-line pet pharmacy. We called Tesco up on at least 2 occasions to check how much was left on the policy. The final time we were told we had £600 left and the claim would end on 26th November 2010. We ordered tablets costing this much, however tesco wont pay... (read more)
Written on: 16/05/2011
Dear sir
I am deeply dissapointed in Tesco,
we recently lost our pet to Renal problems a terribel loss to my Wife and me he was only 4 1/2 years old,he had been insured with you since he was a puppy but he developed this damage to his kidneys when he was 2 years old, you paid the claims without any bother until we claimed for the final ones after he passed away, you have refused by saying that you only pay for certain illness for 1 year, no one explained that to us,i think it is a digraceful...
(read more)
Written on: 04/05/2011
Poor service, one claim made for approx £ 60.00 accounting for access still not paid out 6 weeks later having submitted claim forms, reports and receipts etc.
We own two dogs both insured with Tesco, one policy expires 15 May which will NOT be renewed, very dissapointed indeed. We will also not be renewing our second dog insurance policy
(read more)
Written on: 02/05/2011
I found staff on the phone very helpful and payments were always prompt and made without question. I also found them the most competative when renewing plus you get the bonus of clubcard points.
All insurance companies put their prices up as your pet gets older as you are more likely to claim so I cannot understand why people complain about this.
I would like them to offer cover that goes higher than £4000 per condition.
(read more)
Written on: 24/04/2011 by Kirry (1 review written)
We insured our puppy on 7th Apr on 8th she was in Vets Hospital, where she sadly passed away. I telephoned Tesco and was told yes we were covered but get husband to ring as his name was on policy He did and he was also told we were covered and sent us a claim form where we noticed we weren`t covered for first 14 days. We were given wrong information by two different people and it took us to notice their mistake. We phoned them and they said we will listen to phone call but you guessed it,... (read more)
Written on: 04/04/2011
Please please think carefully before buying any insurance!
My cat was hit by a car last week and broke his pelvis. His injuries were serious but his prognosis was good, he apparently needed two quite long operations and then 6 weeks cage rest.
The insurance Tesco (and a lot of other companies) provide only cover up to £4,000 which sounds like a lot, but the out of hours emergency care came to nearly £2,000, which didn't leave enough for the operations and cage rest etc, which meant I...
(read more)
Written on: 26/03/2011
Appallling dont touch them with a barge pole.
Start off with a cheap quote but then goes up at an alarming rate. I had a renewal quote over £20 per month more than the previous year. The operator said it was because I had made a claim, a mistake on her part to admit that I think because subsequently I was told that was not the case but it was because my dog was older. I was instantly told I could get a 10% discount. Why this was added originally seems a rip off. They take months to...
(read more)
Written on: 22/03/2011
I have found them pretty good in the past, they do take a while in paying out but you get it in the end for a low cost insurance if you cannot afford high premiums it is not bad. However they have really put it up this year on my older dog who is 6 and there limit is still the same. I find it very unfair that on all insurances it doesnt matter if you have been with them for years the policy goes up so high that you cannot afford to pay premiums as your dog gets older, something really ought... (read more)
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Brickbeat's Response to Richard003247's Review
Written on: 01/04/2013
We've had our Lab insured with Tesco since 2001 and I've really started to notice the increase as he gets older along with a change in the amount against conditions they pay up for. The last time, although all conditions were related they managed to wriggle out of some 40% of the total bill.
As he is so old I want to move insurers but it is a minefield out there, we have recently rescued a new companion for him but I certainly won't insure her with Tesco now!