E & L Pet Insurance Reviews - www.eandl.co.uk

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E and L Pet Insurance www.eandl.co.uk

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Latest Reviews

★☆☆☆☆

“Waste of money”

Written on: 21/10/2014

Despite my vet explaining in detail to these charlatans that my dog does not have a pre-existing condition and therefore they do need to pay the claim, E&L, trading as pet-insurance.co.uk have refused to pay out on a claim. They state that they can put a back dated exclusion on the policy which therefore means they don't need to pay. I can't find this anywhere in the T&Cs and cannot comprehend how a product can be purchased which is then changed when a claim is made! Don't waste any money on… Read Full Review

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★☆☆☆☆

“How are these guys regulated? ”

Written on: 19/10/2014 by Ariella1987 (1 review written)

Terrible, terrible, terrible. Please do not use this company! Get out whilst you can! I joke not, they do not comply with regulation guidelines. Just read the reviews. They speak for themselves… Read Full Review

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★☆☆☆☆

“Huge deductions on payout”

Written on: 08/10/2014 by Christiebr297 (1 review written)

A huge waste of money. My pet was insured for just 6 months before becoming ill and eventually after some treatment, he needed to be put down. I had vet bills totaling over £630. The medical care was fairly typical and there were no operations etc, just some pills. So I expect the bill was fairly representative of any pet becoming ill. I received a payout of just over £150. My monthly insurance was £10. Hence although I was better off with the insurance, if my cat had been insured for… Read Full Review

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★☆☆☆☆

“caravan insurance”

Written on: 22/09/2014 by 380Weeks (1 review written)

TRIED TO CONTACT E&L AND JUST GOT SENT ROUND IN CIRCLES.NEVER GOT TO SPEAK TO A HUMAN.I WANTED TO CANCEL MY POLICY BUT IN THE END CANCELLED MY DIRECT DEBIT THEN WAITED FOR A PHONE CALL… Read Full Review

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★☆☆☆☆

“Mistake to use this company”

Written on: 20/09/2014 by CaleParks309 (1 review written)

I used this company, never made a claim, and shortly before renewal I asked for a quote. They ignored my request so I instructed them to cancel my policy as I would not be renewing it with them. Despite this they took the direct debit payment on the 4th of September, one day early. After some difficulty I eventually managed to get a positive reply to my emails. The reply stated that they would repay the monies, that they had wrongly taken, within 5 working days. That was nine working days… Read Full Review

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★☆☆☆☆

“DO NOT use E and L Insurance!”

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

Fortunately I have not needed to make any claim. I have had to make may complains regarding the management of my policies as the just keep messing things up. They simply do not listen to their customers. One of my gripes is they are still using 0844 telephone numbers for their call centres which are expensive to call from mobiles. They should adopt 03 numbers like I told them years ago in a heavily worded complaint but still, they ignore... Main complaint --- They take money without… Read Full Review

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★☆☆☆☆

“Don't touch with your worst enemy's bargepole”

Written on: 22/08/2014 by AbagailCrawford (1 review written)

The dog breeder who we purchased our labrador from provided insurance with this company and we have had no reason to make any claims for 7 years. However, we recently made a claim for an operation costing more than £500 only to be told they wouldn't pay as the original injury/sign of illness was over 365 days previously.... the vet can't understand how they can state their reason for non payment on such a flimsy excuse. It is unfortunate that I only find out the company are such bandits when I… Read Full Review

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★☆☆☆☆

“the worst pet insurance firm i delt with in 40 years...”

Written on: 15/08/2014 by Zack287 (1 review written)

they will find away to not pay out a claim or keep you waiting months £22 a month have just cancelled it best not to go near them out and out robbers… Read Full Review

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★☆☆☆☆

“Warning: Do not use this insurer”

Written on: 13/08/2014 by 110Wade (1 review written)

I want to make Review Centre members aware of extremely deceptive behaviour by seemingly reputable insurer Equine & Livestock Insurance Co. Ltd. I set up bicycle insurance with E&L in July 2013 and in July 2014 I received my 1-year renewal. I was surprised that the cover letter made no mention of the renewal cost, but digging within the 15-page policy document I was able to find confirmation of the £75.99 premium on page 7. This price was also confirmed on page 8, which detailed the payment… Read Full Review

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★☆☆☆☆

“Legalised theft”

Written on: 06/08/2014 by LBundy66 (1 review written)

I was with E and L for the lifetime of my pet. For minimal claims they paid out quickly, in full, no quibble. When my pet passed away unexpectedly after significant treatment, E&L invoked every possible exclusion at their disposal, exclusions added to the policy as addendums rather than written into the cover detail and therefore harder to compute as one column often contradicted the other. After a duration of one month - apparently a busy one - E and L paid out 40% of the money I had… Read Full Review

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★☆☆☆☆

“Hopeless Company”

Written on: 01/08/2014 by Sawyer257 (1 review written)

If this company pays up, you will wait weeks for the payment to come through. The letters they issue are written so badly that it makes it difficult to understand...purposefully I suspect. Watch out for the policy excess also, they increased my excess on my cat insurance policy from £149 (which was high in the first instance) to £279 which I was unaware of. I am a little at fault for not checking my policy wording in detail but the covering letter did say that for any changes the text would… Read Full Review

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★☆☆☆☆

“They take the money and run”

Written on: 31/07/2014

I have just cancelled my policy with this company, I eventually had to telephone to get assurance that policy was cancelled as no reply was forthcoming to the original email. Claim made for minor op on paw, claim refused as there was an 'exclusion' regarding skin conditions where he scratched his tummy on bracken a few years ago (this is classed as a skin condition) so exclusion was placed back then. To cap it all today I received another letter with exclusions on Back, Pelvis and Spine. This… Read Full Review

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★★☆☆☆

“Unhelpful, poor customer service, exclusions a speciality”

Written on: 23/07/2014 by ajad3 (1 review written)

For reasons quite beyond me I chose E&L insurance and had one dog and 2 horses and on and a rider policy. They are cheaper for a reason, Their documentation is number based and generic so its hard to work out which policy is for which animal as they do not put that info on email headers or letters. This only becomes a real pain if you need to claim or cancel as you have to sit on hold for a very long time and eventually speak to a person, (although a good few times I have ended up at an… Read Full Review

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★☆☆☆☆

“Avoid, terrible company!”

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

Unfortunately we are stuck with this company because we have a 10 year old Labrador and it's difficult to change policies at his age. Every time I have to speak to E&L they never get information correct. The latest mess we have had to deal with is after agreeing a renewal price they then added an extra £117. I phoned them straight away and they couldn't explain why the inflated price was taken out of our account. We now have to wait 5 working days for them to refund our money. Please avoid… Read Full Review

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★☆☆☆☆

“Horrible Company - Misleading - Rude - Waste of Space!”

Written on: 15/07/2014 by fishingman (3 reviews written)

I took our camera insurance with E&L and was needed for that same day. On the website, it say buy your policy online. However, when you have gone through the process, and receive your email that it not true! In fact the policy is not live, and it has to be approved by underwriters. Which is fine, however, it does not say how long, and 5 days later still no word from them. When I first contacted the customer support ten minutes after handing over my details online. I was told it takes an hour… Read Full Review

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★☆☆☆☆

“Pet insurance”

Written on: 10/07/2014 by Coylegc280 (1 review written)

Have to pay vets then claim money back from eandl and this takes a very long time you have to pester them all of the time and they make one excuse after another as to why they don't pay out.My advice stay well clear of this company… Read Full Review

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★☆☆☆☆

“Let Down”

Written on: 10/07/2014

We have never ever made a claim on any pet insurance before so we're not exactly 'serial claimers' so when, finally, we felt financially compromised by our rising vet bill we decided to put in a claim for some help, this company wouldn't pay out. Felt very let down… Read Full Review

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★☆☆☆☆

“E&L short for Evasion & Lies! ”

Written on: 27/06/2014 by AlinaColeman150 (1 review written)

Having paid insurance for our dog for 10 years, this company have moved the goalposts without telling us. The excesses were changed without written notification, we only discovered when the payout which arrived a full 8 weeks after the claim was made was almost half what we were expecting. Apparently we were notified by email rather than post which is not what I have requested and needless to say I haven't received these emails. Awful company - do avoid at all costs… Read Full Review

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★☆☆☆☆

“Beware - they quote one amount and charge account ...”

Written on: 25/06/2014 by albob (1 review written)

Beware of their practices and check your bank account - they put one amount on the policy / direct debit form but charge a different amount. Have gbp 10.32 on my direct debit form and a policy but they've charged gbp 15.06. When confronted tried to weasel out stating some obscure options on page 15 of the policy. When threatened to go to Financial Ombudsman quickly "offered to reimburse as a sign of good will". It is definitely unethical and maybe even illegal behaviour… Read Full Review

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★☆☆☆☆

“Awful experience ”

Written on: 25/06/2014 by Morrismk454 (1 review written)

I have had my horse insured with this company for 3/4years, In this time, I had my rugs stolen, which on my policy said they were coverd, rang them up, refused to pay Out at all. Then recently I lost my horse to a tumor, now I read the small print, yes it says about death by internal is not covered, but Vets fees for internal injuries were NOT in the small print as an exclusion, yet still they refuse to pay! Awful company that do nothing all for there customers, Sorely disappointed, huge… Read Full Review

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