VetsMediCover Reviews - www.vetsmedicover.co.uk

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Latest Reviews

★☆☆☆☆

“Price increases as cover decreases”

Written on: 26/08/2015 by keytouch (1 review written)

This company is just getting worse and worse. They seem to change underwriter every year and the conditions to get worse. When I first took out my policy 4 years ago, the premium was £252. This year they are wanting £429. Policy excess was originally £80. Now (as my dog is 4 years) they want £90 PLUS 10% of the claim. SO if I claimed the annual limit of £10,000 then I would have to pay £1090 towards it myself. Scandalous!… Read Full Review

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★☆☆☆☆

“Life cover - er nope”

Written on: 26/08/2015 by Thunderpug (1 review written)

We have paid to cover our dog since the day we collected him. We also paid a bit extra for a life cover policy. We have just been advised that the insurer has changed so they now exclude everything he has ever been to the vet for. The very opposite of life cover policy. Not even offered fair exclusions either - he had a single slight muscle strain and the have excluded ALL joint claims, caught his eye once so they have excluded All eye related claims and had a sore ear - ALL ear claims (ps… Read Full Review

Joj34's Response to Thunderpug's Review

Written on: 27/08/2015

In much the same boat, insured our boy with them last year thinking we would have "life" cover and not only has our annual premium just gone up from £381 to £844 this year, but as he has been diagnosed with hip dysplasia now they will only pay up to £3k over his lifetime. As he isn't yet two years old that is unlikely to cover much over his entire lifetime! Sadly we will have difficulty insuring him elsewhere for this now pre-existing condition.

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★☆☆☆☆

“Shocking! Worst pet insurance ever!”

Written on: 29/07/2015 by CourtneyHarrison (1 review written)

Worst pet insurance ever! Two months into my contract changed "insurer provider" and increased my excess from £80 to £90+20% of the claim!!!! I didn't find out until my dog was seriously ill and I was putting through a claim… Read Full Review

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★☆☆☆☆

“I've been screwed over too.”

Written on: 03/07/2015 by Kentbw47 (1 review written)

I never write reviews but I felt I had to as I'm so Horrified & angry, I'm in the same boat as Bisuit Dawn. I've been with Vets Medicover for several years & pay £56.55 per mth for my 10yr old Shih Tzu, I've always been happy with the service as my claims have always been paid & dealt with quickly. Now here is the problem; I was informed on 28th June 2015 that the underwriters have changed to QIC Europe Ltd & my renewal offer will no longer include £10,000 'all of life' cover every year to… Read Full Review

Vetsmedicover's Comment

Written on: 16/07/2015

Hi,

So sorry to hear you feel this way. The prices only go up with increased risk and this is something that all pet insurance companies do as a way to ensure we can stay in business. I hate hearing about huge increases but we do always pay claims and are really reliable so at least you know you have great security. We are going to be writing some articles soon about the increasing prices of pet insurance and why it happens because we want our clients to understand that it has to happen sometimes. I hope he is OK and that he's still getting some hydro sessions.

Thanks very much,

Team VMC

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★☆☆☆☆

“Screwed over on 'lifetime' cover + awful claims service”

Written on: 26/06/2015 by BiscuitDawn (1 review written)

I took out the Diamond lifetime policy for my Dog 2 years ago, my 2nd renewal with VetsMediCover is now due and I've just had a letter from them saying the existing Insurance Company is no longer going to do pet insurance, they have offered me a renewal quote with an alternative company, the problem with this is I have an ongoing claim for a condition that is not cureable and my dog will need ongoing treatment for the rest of his life, the new company are only offering a £3k limit on this… Read Full Review

Vetsmedicover's Response to BiscuitDawn's Review

Written on: 30/06/2015

I am so sorry to hear about this - can you call us directly and we can help. Who did you complain to? Can you send an email to us with your name and the subject as REVIEW so that we can contact you to discuss this? Thank you and sorry about the bad service! We are leaving those claims handlers as they have not performed.

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★★★★★

“Thank you!”

Written on: 06/06/2015 by Cunningham133 (1 review written)

We have had so many issues with pet insurance providers! The prices go up and up, everyone promises the world at the beginning and then suddenly everything changes. VetsmediCover have had some price increases but they have been great with my claim. They have helped me every step of the way and continued to care about this difficult time. I really appreciate the time and phone calls… Read Full Review

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★☆☆☆☆

“Unacceptable price hike”

Written on: 28/05/2015 by 82McCabe (1 review written)

Just had renewal notice in advising the premium will be c. £60 pm, it was £18 pm when I took it out 4 or 5 years ago and is currently £32 pm and after reading other reviews this was my email response to them. I am absolutely disgusted with this. I took the policy out a few years ago at around £18 pm and it has risen steadily to currently £32pm and now you want to renew at £60pm !! This has effectively nulified the Lifetime care as the policy is now unaffordable, which is what a lot… Read Full Review

Vetsmedicover's Comment

Written on: 01/06/2015

We are very sorry to hear that the price is too expensive for you now, I know the office have cancelled the policy for you and let you know. The pet insurance market has got distinctly more expensive across the board and most companies have put their prices up. We are working on getting the most reasonable premiums to our customers and are really sorry to see the increases you have had to pay for. This article was written in the press last week, highlighting your exact problem! Relative to other companies we are quite reasonable... it's just such a tricky market. Thanks again for your feedback and if you need anything else please do get in touch. http://www.telegraph.co.uk/finance/personalfinance/insurance/pet/11613575/Insurance-for-my-dog-costs-3400-a-year.html

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★★★★★

“The best!”

Written on: 28/05/2015 by ArmaniConnell366 (1 review written)

The most comprehensive services. Definitely will use again and again… Read Full Review

Vetsmedicover's Comment

Written on: 02/06/2015

Thank you for your feedback - if you have any more details please do let us know!

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★★★★★

“Great”

Written on: 05/05/2015 by msbettyford05 (1 review written)

This is a very good organisation. Let's face it, pet insurance isn't cheap but when it comes to our furry friends, we willingly spend the money. That said, insirance companies are always the most positive experiences, however, I've had cause to claim a couple of times. One was when doggy ate large dose of chocolate and more recently a major operation (fully recovered). Both claims were deal with efficiently (payment does take a little while but it does come in full) and without any resistance… Read Full Review

Vetsmedicover's Response to msbettyford05's Review

Written on: 06/05/2015

Thank you so much for taking the time to leave a review. We really appreciate it! All the best, The VMC Team

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★☆☆☆☆

“AVOID !!!! SCANDALOUS PREMIUM INCREASES”

Written on: 13/04/2015 by MathiasRoss309 (1 review written)

I was with Vetsmedicover for 4yrs. I will share my experiences. PROS At the beginning very competitive premiums. Vet bills settled in reasonable time and communication was good. CONS First years premium was roughly £18 per month this increased yearly to my latest quote of £62 !!! yes an increase of 300% in 4yrs. This is for a standard dog,never had surgery, on no medication or ongoing treatments. The only treatment received was for typical pup stomach upsets and one seizure that required no… Read Full Review

Vetsmedicover's Comment

Written on: 28/04/2015

Thank you for this feedback. I'm sad to hear we have been such a disappointment for you!

The cover is still outstanding - unfortunately for us the prices have risen and it is for this reason that we have changed underwriters in the past. If you shop around and read other reviews you will hear the same story... the premiums for pet insurance continue to increase.

We continue to fight for our customers and ensure claims are paid and that prices are kept down.

However, your increase is quite extreme, I presume it is to do with the seizure you mentioned. I understand why you are annoyed and I am sorry... but please don't forget our good service and communications and our commitment to fairness. You wpn

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★★★★★

“Very Reliable Service”

Written on: 19/03/2015 by Tristenw144 (1 review written)

I've used VetsMediCover for a number of years now and made a couple of claims in that time and I have to say they've been brilliant throughout. I would definitely recommend to friends and family, very approachable and easy to get in touch with. Excellent communication throughout… Read Full Review

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★☆☆☆☆

“Very Slow at paying”

Written on: 17/03/2015 by AbigailLacroix (1 review written)

Was recommended to use this company by the rescue centre we got our Boxer dog from after years of being with Petplan who`s prices were very high. We have recently had to claim for our dogs Cruciate ligament operation , this company are very slow with paying and you have to call them dozens of times , they keep promising payment but it never arrives , they have settled 2 claims for us which were for a large amount of money but you keep getting different stories about how they pay in the middle… Read Full Review

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★☆☆☆☆

“Price increase of 127% and no claim made”

Written on: 14/03/2015 by Cassidyn468 (1 review written)

Last year policy was £31.50 pm renewal price £71.50 pm an increase of 127%. Ok my dog is 11 years of age but no existing illness or indeed any claim made. If you find yourself in the same position and with an older dog. Just ensure you start new policy 14 days before old one expires so that you do not leave yourself uncovered… Read Full Review

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★★★★★

“Excellent service - highly reliable”

Written on: 13/03/2015 by Wrightxk208 (1 review written)

Just few words to thank Vetmedicover for their professionalism, excellent service and for being caring at all times. The policy is excellent, since me and my husband joined Vetmedicover, the communication with the staff was very smooth, we received all the documentation and explanation needed on time. I would definitively recommend their service to anyone. Thanks again for your help… Read Full Review

Vetsmedicover's Comment

Written on: 16/03/2015

Thank you very much for the feedback! Glad to hear our service has been appreciated! Please do get in touch if you need anything else.

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★☆☆☆☆

“Don't go there!!”

Written on: 02/03/2015 by Leolover1962 (1 review written)

My Dog Insurance premium has shot up from £49 to £253 PER MONTH. The company change their underwriters all the time. At first they were very good, have been with them a few years now. My large breed dog is now 10 years old. The only claim I have had is one for an urgent throat operation and they paid out £2,300. That is the only claim i had 6 months ago. They paid up fairly quickly. Today have had renewal in, am in shock. I simply cannot afford to pay this each month. So just when my dog… Read Full Review

Vetsmedicover's Response to Leolover1962's Review

Written on: 09/03/2015

I am so sorry to hear this about your dog.

I am really sorry that you feel we have let you down and understand why you feel that.

We don't have any scripts to read from - not that I am aware of anyway. This premium increase is large and we are really sorry about that. The underwriter reserves the right to increase prices and I think you will find this is the same with lots of pet insurance companies at the moment.

I am pleased we have managed to help you in the past and our claims service is very reliable so if you do wish to stay with us you know that you can trust our operation.

VetsMediCover are working hard to ensure premiums remain reasonable for our customers, this is the reason we have changed underwriters in the past, to protect our customers.

Please call us if you have any questions.

Thank you for your loyalty these years and many apologies about the price increase.

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Leolover1962's reply to Vetsmedicover's Comment

Written on: 09/03/2015

Your last Paragraph? You are working hard to ensure premiums remain reasonable is the reason you change Underwriters regularly..think you have made a big mistake with one you have changed to then.

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Vetsmedicover's reply to Leolover1962's Comment

Written on: 10/03/2015

They have recently change the prices but I promise you that we are still working hard to obtain great prices for our clients.

Thank you for your feedback, we have developed considerably since the beginning and made changes to the policies but we value our customers. Without you we have nothing so it's in our best interest to keep you happy and provide excellent service at affordable prices.

Sometimes the risk of the pet is so high that the prices are increased and this is something that VetsMediCover work to balance for our customers. We are sorry that your premium has increased so much, it's just relative to the perception of the risk by the underwriter and large breeds over the age of 8 can be tricky.

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Leolover1962's reply to Vetsmedicover's Comment

Written on: 10/03/2015

So an increase of 500% in a Policy that I took out for my dog on the understanding it would cover him for the rest of his life is normal then. So other Customers better be careful when taking out a Policy on a young dog.
My dog Luka, does not even have a condition that needs lifetime treatment.
'In your interests to keep customers happy' you say, well I am sorry but it has not worked on this occasion!

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★☆☆☆☆

“Renewal might get CANCELLED”

Written on: 02/03/2015 by Allison440 (1 review written)

Just recieved a letter about my VetsMediCover insurance saying they are cancelling my policy in 32 days because Elite insurance who they obviously use are not insuring pets in the UK anymore. I then received an email saying, they are trying to find a new insurer. My dog has a life threatening illness, I will not get another policy to cover this as it will be a pre existing condition. This situation should be illegal, what do I do now? This is the worst customer service I have ever experienced… Read Full Review

Leolover1962's Comment

Written on: 09/03/2015

Alot of people are getting caught with this. Lifecover should mean Life, these Insurance companies should not be allowed to get away with this.

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Sundaygirl67's Comment

Written on: 01/05/2015

I'm appalled by VetsMediCover and Elite, I have just had a letter telling me Elite have pulled out of the pet insurance market and the new policy they have offered me will not cover my dogs pre existing condition. I have paid for their top level covered for life policy for 3 years and now sadly my dog has an ongoing illness (cancer and has had to have surgery and chemotherapy) they will not offer me cover for this. What is the point of a 'covered for life' policy? I might as well have taken out an annual renewal - disgusting. I have also reported both to the FOS and FCA. It was the only thing that made my dogs cancer diagnosis a little easier knowing I had a lifetime cover to pay for any ongoing treatment, the stress of this has been terrible. Utterly disgusting.

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Broodyduck's Comment

Written on: 18/05/2015

I have just received a similar letter also giving me a measly 32 days to sort out my pet insurance .. interesting how VetsMediCover were aware in March (if not many months earlier) that Elite insurance were pulling out of the UK market !! Could they not have given customers more notice, or made much more effort to obtain similar policy from another underwriter. I am dismayed that a life policy can suddenly be withdrawn, where does that leave owners of pets (like me) with pre-existing conditions, surely lifetime cover should mean precisely what it says.. it is completely unreasonable and unacceptable that VetsMediCover have not located a like for like Lifetime cover policy. Had I been made aware that this company was likely to shirk it's responsibilities to its customers then I would never have done business with them. Very poor business practice and customer relations

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Vetsmedicover's Comment

Written on: 09/03/2015

Please call the office / let us know your name and we will call you. We are sorting out this miss-communication.

So sorry for causing you stress. Please do not worry, we are working hard to sort this out.

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Boxer2006's Comment

Written on: 19/03/2015

Vetsmedicover has done the same to me! They have asked me to increase the premiums on my 9 year old boxer from £44pm to £234pm!!! I have to cancel the policy as I cannot afford such a ridiculous amount!

And why have I not been advised that Elite are no longer insuring pets in the UK??

I have reported Vetsmedicover to the FCA and the Ombudsman as I am disgusted at the over 500% increase, they are abusing the fact that we have trusted them with our pets lifetime cover!

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★☆☆☆☆

“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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Leolover1962's reply to Chris1984A's Comment

Written on: 10/03/2015

My premium for my dog has shot up from £50 per month to £253 per month! How can they get away with this? I have only climed once and not a huge claim either.
Did you change Insurers, if so who did you go with?
I am thinking of going with the Kennel Club, my friend has her 3 dogs with them, has had several claims with them and although their Premium has gone up this year, it is still affordable.

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Leolover1962's Response to Chris1984a's Review

Written on: 02/03/2015

I am in the process of writing a review myself. Just thought would have a look at some of the others on here.
I received my renewal this morning, have been with Vetsmedicover for a few years. My premium has gone up from £49 per month to £250 PER MONTH.
My boy turned 10 in October, i have had one claim in July for an on his Larynx. They paid out £2300 with no problems. Apart from this Op he is quite healthy and has no ongoing conditions.
I knew my premium would go up, but really wasn't expecting this amount!!
This is more than my life, car and house Insurance altogether.
I simply cannot afford this amount each amount each month. I will be cancelling from renewal and just hope that he doesnt need a vet anytime soon.

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