VetsMediCover Reviews - www.vetsmedicover.co.uk

★★★★☆
3.7 / 5
66% of users recommend this
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  • Value For Money

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Latest Reviews

★☆☆☆☆

“Massive increase in premiums”

Written on: 23/02/2015 by Chestersmate (1 review written)

This was a great company when it started but they are constantly changing underwriters. The latest underwriter has massively increased premiums. Mine have gone up 260% in 2 years, plus lots of additional charges never levied before. If you have a life long policy and are claiming for ongoing conditions you can't change companies. Don't believe any company that says they will keep the same conditions for the life of the policy, it's just false. I would never insure another pet with this company… Read Full Review

Vetsmedicover's Response to Chestersmate's Review

Written on: 24/02/2015

We are really sorry to hear this!

The main reason we change underwriter is to protect our clients from huge increases in premiums.

The contract is an annually renewable lifetime policy and we really are competitive in the market place. Pet insurance seems to be getting more and more expensive as underwriters put pressure on all the companies.

Please don't feel that we have tried to rip you off. We work hard to keep things as fair as we can.

All the best,

The VMC Team

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★★☆☆☆

“Beware Hiked Premiums ”

Written on: 09/02/2015 by Josephinespot (1 review written)

I have just cancelled my policy as they want to charge me over £35.00 per month for a three year old cat. I have made some claims over the past couple of years but nothing really huge. If you are sure your animal is always going to be healthy, use them, but that negates the point of insurance. I am going to put the £400 plus per annum they wanted to charge me in the bank and cross my fingers she doesn't need more over her lifetime than it will come to. Be very careful with these people… Read Full Review

Vetsmedicover's Response to Josephinespot's Review

Written on: 19/02/2015

Really sorry to hear this!

Sorry about the feedback from our underwriters - we are always working hard to keep the premiums fair and so sometimes we have to change underwriters. Our mission to supply fantastic pet insurance at a great price is at the core of everything we do.

Claims are central to insurance and we do pay and claims are often £3000 or £4000 pounds, or more, up to £9000... so having insurance does make sense! Our consistent payments are at the core of how we operate.

Please do try us again in the future.

Many thanks,

The VMC Team

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★★★★★

“surgery for my dog”

Written on: 22/01/2015 by Reidpq33 (1 review written)

Bob took a turn for the worse on Christmas Eve, it turned out that he had swallowed a sock! I blame my husband for leaving them lying around! It was a nightmare the vet bills started climbing to at £1,800 but we ended up paying £3500 for all the treatment.. It was a relief that there was a vet working and available to help. Thankfully we had cover with VetsMedi up to £2000 and they have paid their share. I never expected to be paying so much in the vets! The staff are a top bunch and… Read Full Review

Vetsmedicover's Comment

Written on: 28/01/2015

Thank you for your feedback, glad to have helped :)

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★☆☆☆☆

“BEWARE Unbelievable and Incredible Premium Increases”

Written on: 28/12/2014 by Chris1984a (1 review written)

My dog has been insured by VetsMediCover for 3 years now. The underwriter seems to change every year but so far the service has been fine and the policy renewal terms reasonable (generally inflationary increases). However, this year I have received by policy renewal details and the monthly premium has increased from £35 per month to £72 per month. Yes - it has more than doubled. This essentially renders the "lifetime" policy useless as it seems VetsMediCover, or Elite Insurance Company as… Read Full Review

Vetsmedicover's Response to Chris1984a's Review

Written on: 05/01/2015

We are so sorry to hear you are disappointed. We hate to increase prices and have moved to decrease some of our premiums, however the market has pushed us to increase premiums sometimes. We still offer fantastic service and when it comes to the time you need to claim, you will be happy you chose VetsMediCover and none of our competitors.

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Chris1984A's reply to Vetsmedicover's Comment

Written on: 09/01/2015

I have heard from several other people that premiums have significantly increased recently.

I would like to reiterate that the increase in my annual premium was over 100% which really is scandalous.

I have investigated this further and have been informed that the premium increase is due to my claim levels over the last year, or "claim loading".

So, basically Vetsmedicover are great if your pet does not develop any long-standing health conditions. If they do, Vetsmedicover will hike your premiums excessively in order to ensure that they do not have "loss making" customers on the books.

Truly shocking.

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Vetsmedicover's reply to Chris1984A's Comment

Written on: 14/01/2015

This is not always the case and in some cases we have reduced premiums. I have been looking at the competitors and it does seem to be a theme, I have to agree, prices are going up.

I am very sorry you have had a bad experience. Our claims are paid and we are working hard to ensure prices are stable. Don't give up on us yet!

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Josephinespot's reply to Vetsmedicover's Comment

Written on: 09/02/2015

I have found the same and have just cancelled my policy as they tried to charge double my existing premium for a three year old cat. It is shoddy treatment of customers and I am looking to switch the other animals I have insured with them to another insurer.

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★★☆☆☆

“3 years I have been with them”

Written on: 26/11/2014

I have been with vets medicover for 3 years. My dog had his annual 'teeth check' as stipulated on the policy and last year was fine. This year he has gum disease so needed his teeth all sorting out with possible extraction, he also had an infected foot, which happened the day before his teeth were scheduled. I phoned up and was given the underwriters telephone number. I was told before any questions had been asked 'scale and polish not covered'. I explained it was more than a 'scale and… Read Full Review

By Vetsmedicover

Written on: 18/12/2014

We are so sorry to hear this. Dental cleaning is not covered as part of pet insurance policies. Is your dog back to health now?

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Vetsmedicover's Comment

Written on: 03/12/2014

Hi,

I'm sorry to hear this. Routine dental cleaning is not covered under our policy! What has happened with the infected foot?

I hope we can sort this for you!

The VMC Team

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Sharamonalot's Comment

Written on: 03/12/2014

Hi,
You are apparently applying to the vet for his notes. This was about 1.5 weeks ago, should I have heard from you by now? As I stated above it is not routine. The vet told me it is not routine and you 'should' pay out (from their point of view, although they deal mainly with Petplan) I feel I am repeating myself, regarding the 'not routine' The infected foot is on the notes also.

Adding exclamation marks at the end of sentences changes their tone. So adding it under the sentence 'Routine dental cleaning is not covered under our policy!', when I have firstly stated not routine, appears rather aggresive to the reader and quite unhelpful.

People read these threads when making a decision about with whom to insure their pet. Like I said I have been with you problem free for 3 years (maybe because I never claimed, one wonders?).

Therefore I think I deserve a little more respect as a customer than to be exclaimed at like I am either a bit dim or unfair on you. Which I am neither.


Regards

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★★★★☆

“Review of VetsMediCover ”

Written on: 19/11/2014 by teddog (1 review written)

"I want to reiterate my confidence in Vetsmedicover, the company and the administrations team who through the years we have had your valuable services have always been courteous, helpful, kind and supportive when Ted's been poorly, not something that is trained but a natural attribute I've found your staff to have , it is with pleasure I renew Ted's Pet Cover with you again, although I realise different underwriters hopefully the same staff have been appointed under TUPE ? It does however get… Read Full Review

Josephinespot's Response to teddog's Review

Written on: 09/02/2015

Just don't let any of your pets get ill or you are likely to see your premiums double!

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★★☆☆☆

“Vetsmedicover - Very disappointing!”

Written on: 29/10/2014 by kaCoughlin217 (1 review written)

I had my 3 Cocker Spaniels insured with Vetmedicover for the past 2 or 3 years. Originally, the cover and price looked great - just Vets Fees and Third Party Cover - no fancy stuff you would probably never need. The premium was £250 per annum for any breed (apart from giant breeds). The following year, the premiums rose to £336 per annum, which seemed reasonable enough, with inflation. This year, the policy has changed completely. There is no longer the one-price-fits-all, and the premiums… Read Full Review

Vetsmedicover's Comment

Written on: 17/11/2014

I have been trying to decide what to write here. I'm so sorry the price has risen so much. I am pleased you found us to be great for so long! All pet insurance companies are battling with huge claims costs and we are trying to stay as cost effective as possible. Our service and focus will always remain this way and we are very sorry that you found us to be too expensive. We get lots of big claims for £9000 and this is why we continue to make sense. Please do consider us again if you get a new puppy. We are cost effective, especially when compared to the competition. Thank you for your feedback, all the best, The VMC Team.

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Millie45's Comment

Written on: 02/12/2014

Thank you for your reply. Unfortunately you seem to have completely missed the point. Yes, the hike in premiums is excessive, but, as mentioned above, that is only part of the story.

Back in September 2011, when we first took out cover for our 3 dogs, there was a straightforward policy and just one level of cover for a maximum of £10,000 (now know as Diamond cover). In 2012 and 2013 the premiums has risen by a realistic amount, but there was still only one level of cover.

In September 2014, when we received the renewal, the policy had completely changed. There was a massive price hike, and there were now 4 levels of cover - Silver, Gold, Platinum and Diamond.

Vetsmedicover did offer us the option to reduce the cover to Platinum for two of our dogs, who we have never made a claim for. However, when we enquired what the premium would be for our third dog, we received the following reply, which I am quoting word-for-word, as no-one would believe it otherwise:

"We have had a look into your renewal for you and unfortunately due to the past two years claims history we are unable to offer you the next level of cover down which is Platinum. A total of £676.11 has been paid for claims and as specified by the underwriter we are unable to lower the cover to Platinum or Gold. We would normally then suggest to a customer that they could take out a completely new cover if they wished to do so but we are unable to do this for nnnn as she is already 9 years old, we are unable to take out new cover for a pet that is already over the age of 8."

£676.11 paid out over 2 yrs on a limit of £10,000 per year???
New cover???

If you are coming up with such ridiculous 'rules' when you are requesting money from us, what chance would we have if we ever had to make a claim?

I am sure that it cannot be ethical to attract customers with one policy, then completely change it, and not give any leaway to existing customers because their dogs are now older and there may be a greater risk of them making a claim. There must be some customers who have been with you since 2011 who are unable to insure their pets elsewhere due to pre-existing conditions, and will be trapped into having to pay for Diamond cover.

I think possibly the 'service' and 'focus' you are so proud of may need reviewing.....





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★☆☆☆☆

“Really disappointed - cancelled our policy”

Written on: 30/09/2014 by scowle (1 review written)

I insured our 8yr old Weimaraner with VetsMediCover about 3 years ago and was really impressed with them until last year. Originally they were great, really helpful on the phone if you had a query, a very efficient claims process and competitive prices. The company has totally changed in the last year, with a new underwriter, and their terms have changed too. Their prices have sky-rocketed and they no longer stand out from all the other insurance providers out there. I recommended them to… Read Full Review

Vetsmedicover's Response to scowle's Review

Written on: 30/10/2014

So sorry to hear this - could we not help at all?

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Susannahcowle's reply to Vetsmedicover's Comment

Written on: 30/10/2014

Well the person that I spoke to on the phone was completely disinterested in helping. What would you suggest?

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Vetsmedicover's reply to Susannahcowle's Comment

Written on: 17/11/2014

I am sorry to hear that and will discuss our approach at the next full team meeting.

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Vetsmedicover's Response to scowle's Review

Written on: 17/11/2014

I am so sorry to hear this. Insuring an older dog is very expensive, however the prices are still fantastic for lower risk animals. The policy with the new underwriter does offer more benefits overall. Claims and costs have gone through the roof so to stay in business we have had to make some changes. The prices are still more than fair when compared to similar competitors. Thanks for leaving some feedback and we hope you are both well. All the best, The VMC team.

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★★★★★

“Very caring!”

Written on: 12/09/2014 by Kaleight393 (1 review written)

I was recommended to this company by a friend and I haven't been disappointed! I joined Vetsmedicover in March and unfortunately in May my EBT puppy fell of the sofa during a mad 5 minute 'bully run'. I rushed her to the vets and initially we thought she had sprained her knee, after 3 weeks her limping was worse and she was re-xrayed, long story short, in June she ended up having a her femoral head removed (major Hip operation). Since her op she has had to endue physio & hydrotherapy (which she… Read Full Review

By Vetsmedicover

Written on: 22/09/2014

Thank you so much for taking the time to write this review! Let us know if you need anything else :)

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★★★★★

“A lifetime policy that provides the cover we need!”

Written on: 18/08/2014 by Cullen192 (1 review written)

I had previously taken cover with other insurance providers, and although we had never claimed the premiums rose year on year. We changed to Vetsmedicover last year after a friend mentioned that she had taken out cover with them. Last month our dog underwent surgery for a cruciate ligament injury, without the high level of cover we would never have been able to pay for the treatment ourselves, which is actually quite worrying. Vetsmedicover paid our vets directly, and we covered the excess… Read Full Review

By Vetsmedicover

Written on: 26/08/2014

Thank you for your feedback!

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★★★★★

“Great policy, great service!”

Written on: 29/07/2014 by Vega79 (1 review written)

Very good policy with exactly what we need for our dog, with the added bonus of excellent friendly, helpful customer service staff. All our documents were emailed to us quickly and everything was explained for us. Very happy pet owners :)… Read Full Review

By Vetsmedicover

Written on: 06/08/2014

Thank you for your feedback! Please do get in touch if you need anything else.

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Vetsmedicover's Comment

Written on: 05/08/2014

Thank you for your feedback! Please call or email if you need anything else :)

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★★★★★

“Great service”

Written on: 18/07/2014 by Karter238 (1 review written)

Insured my Black Lab with VetsMediCover and was concerned about the ins and outs of pet insurance, however by using they're simple, easy to use website all was made very clear and my boy is now covered. I made one phone call to ensure everything was okay and the woman was very clear and helpful. Great website and affordable insurance! Thank-you!… Read Full Review

By Vetsmedicover

Written on: 23/07/2014

Thank you for your feedback :)

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★★★★★

“Fantastic company! Excellent value & kind and helpful...”

Written on: 17/07/2014 by princessp1983 (1 review written)

I am really pleased with the service that VetsMediCover provide for my dog. I have got my Labrador Mia insured with them and I first took her policy out when she was a puppy. I chose the higher level of cover (vet's fees for up to £10,000) because I know how expensive vet bills can be due to my old dog having hip dysplasia. It is always best to plan for unexpected illness and so I would recommend that people take out the higher cover. Anyway when she was about 11 months old she became poorly… Read Full Review

By Vetsmedicover

Written on: 23/07/2014

Thank you! Please do get in touch if you have any more questions, you know where to find us. :)

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★★★★★

“Pre-exisiting conditions”

Written on: 09/07/2014 by 275Bailey (1 review written)

Just enquired about pet insurance for my Beagle with VetsMediCover - he has a pre-existing condition and they can insure him. This has taken a huge weight off my shoulders and I cannot thank VetsMediCover enough. I started to book online (great, easy to use website) but thought I'd better call their office to ask about the pre-existing condition my boy has got. The girl I spoke to there was so helpful - I would recommend this company. I didn't think I could get insurance for my dog with his… Read Full Review

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★★★★★

“FAN-BLOODY-TASTIC!”

Written on: 05/06/2014 by lilacgeorge (1 review written)

When I was looking for Insurance for my English Bull Terrier pup I went through all the big companies, they wanted silly money - PP wanted £85 a month!!! Then my brother mentioned Vets Medicover, his mate that had a EBT used them & said he throughly recommended them.... so I looked into it! I was very impressed with their policy cover & especially their premium. Son in February when my pup came home I took out a policy. All was well until last week.... Molly was, well, being a puppy and was… Read Full Review

By Vetsmedicover

Written on: 23/07/2014

Thanks very much for this detailed review! Keep in touch and love to your pup!

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Lilacgeorge's reply to Vetsmedicover's Comment

Written on: 27/08/2014

Thank you, Molly will be forever grateful to you all as will I for making this rather unpleasant journey a more bearable one. I hope you don't mind but I have emailed you some pictures of Molly from when she was 2 weeks old to present and having her hydrotherapy - I feel that you all know her so well now its only fair you put a face (or muzzle) to the name :)

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Lilacgeorge's Response to lilacgeorge's Review

Written on: 27/08/2014

Just to update you, Molly is still undergoing treatment for the above injury, she ended up having a pretty major operation - femoral head removal - and is still recovering. Since her operation in June, she has had to endure intensive physio & hydrotherapy of which she is still going through. Vetsmedicover have been amazing throughout, very supportive and caring, prompt with payment (had it not been for them I dread to think what would have happened as I would never have been able to afford the treatment).
I VERY highly recommend this company!!!!! Thank you Vetsmedicover!!!!

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★★★★★

“Common Sense Cover”

Written on: 16/04/2014 by HaydenMacKinnon342 (1 review written)

Finally some common sense! My golden Labrador suffered with eczema as a pup so the vet prescribed him with some anti inflammatory medicines that helped a bit but the problem persisted. Eventually we realised that Bruce was eating the wrong foods so we moved him over to a raw food diet and the problem cleared up. However, we haven't been able to cover him for eczema or anything that could relate to the problem, despite him not having suffered from this condition for over 3 years. When it came… Read Full Review

By Vetsmedicover

Written on: 23/07/2014

Thank you for letting us know!

Diet is really important for dogs too :)

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★★★★★

“Excellent and impressive...”

Written on: 20/02/2014

I was recently contacted by the insurer, asking about my claim experience with Mango, our three year old Golden Labrador. The claims payment was rapid, very easy and the customer service throughout was excellent. I'd like to make a point of mentioning that it's great value for money with a really impressive level of cover which I'm always wary about. Thank you VetsMediCare, would highly recommend in the future to friends and family. … Read Full Review

Vetsmedicover's Comment

Written on: 24/02/2014

Thank you for your feedback :)

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★★★★☆

“Fair and efficient”

Written on: 19/02/2014 by Rottiesrule (1 review written)

I've had my Rottie with vets medi cover for several years now. With their past administrator everything was a fight but since they have changed to their new company I have found their service greatly improved. Properly qualified vet nurses now assess the claims and they seem fair and sensible. Claims are also paid in a reasonably timely manner of 2 to 3 weeks. If you have a very large claim with them they do put your premium up the next year but they advised me that if I didn't claim during… Read Full Review

Vetsmedicover's Response to Rottiesrule's Review

Written on: 20/02/2014

Thank you for your feedback!

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★★★★☆

“Our Cavalier with bloody diarrohia”

Written on: 15/02/2014

Having had the right treatment our claims were met satisfactorily, apart from the excess and some minor expenses not included in the claim. We were disappointed that the annual insurance fee has gone up by 50%. We understand that vets' fees are causing this and wish you success with your negotiations, otherwise people will be obliged to find some cheaper arrangements… Read Full Review

Vetsmedicover's Comment

Written on: 19/02/2014

Thank you for your feedback.

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★★★★★

“Great service ,fast and efficient.”

Written on: 15/02/2014 by Tedsmumndad (1 review written)

We have had great service with this insurance company.Our dog was covered under a lifetime policy(would defiantly reccomend as our dog developed arthritis).They have paid out for everything we have claimed for,which unfortunately when our beloved dog Was very poorly included some very costly tests/scans/medication.They paid the vet directly within days of the claim been sent in.The only issue we encounted was from the vet's ,they were apprehensive about our Insurance just because they hadn't… Read Full Review

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