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

★☆☆☆☆

“dont get any answers”

Written on: 01/04/2015 by ZavierPorterfield146 (1 review written)

made a claim over five weeks ago, I keep calling and all I get told is we are looking at it, quick enough to take your money each month. never mind all the distress of having to see your dog suffer. I am now unable to get any more money from my bank until this is sorted… Read Full Review

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★☆☆☆☆

“HAD TO PAY FOR INSURED REPAIRS MYSELF”

Written on: 02/03/2015

BEEN WITH E&L FOR ELEVEN YEARS. DID DAMAGE TO MY CARAVAN, TOTALLING £234 MATERIALS COST £120 COST TO DO WORK £100 THEY PAID ME £105 SO BASCIALLY I HAD TO PAY FOR THE WORK TO BE DONE MYSELF. DID NOT EVEN COVER THE COST OF MATERIALS. DO NOT INSURE WITH THESE PEOPLE. BE IT AT YOUR PERIL? TOLD THEM WHERE TO SHOVE THEIR MONEY, WHERE THE LIGHT DOES NOT SHINE. WILL NOW TAKE THEM TO COURT. PROBABLY PAID OVER £1000 IN PREMIUMNS, AND THIS IS HOW THEY TREAT ME. ONCE AGAIN PLEASE STEER WELL CLEAR OF… Read Full Review

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★☆☆☆☆

“Refuse to pay out”

Written on: 19/02/2015 by Ross441 (1 review written)

I had my horse insured by this company for over 10 years and never made a claim then when i do the claim is turned down because the horse is now too old. Yes but hes been with your compnay for over 10 years. Approx £3000 in premiums. Tough they say wouldn't touch them with a barge pole waste of time… Read Full Review

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★☆☆☆☆

“Public liability ”

Written on: 26/01/2015 by 429Dunn (1 review written)

Having been knocked over and severely injured by an out of control dog that is insured by E and L Insurance I am amazed by their lies and ineptitude. After the dogs owner contacted them to inform them of my injury I was told to contact them which I did. The man I spoke to said 6 words" you need to instruct a solicitor " and promptly hung up on me . They have employed delaying tactics and if I'd have sued they would have argued that I put myself at risk by walking in a public place. 2 years… Read Full Review

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★☆☆☆☆

“Pet insurance”

Written on: 12/01/2015 by Pigsy123456789 (1 review written)

Had our dig I sured with these for 7 years never claimed then our dog was very ill and had to be put to sleep. We had to claim to pay the Extortionate vets bill. It took E and L three months to sort this out and pay us the money, we replied to emails immediately but they did nothing, we were not kept informed of anything and had to keep calling them to find out what was going on repeating ourselves over and over again. They kept telling us that all emails were replied to well we can assure you… Read Full Review

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★☆☆☆☆

“Flount Regulations”

Written on: 26/11/2014 by Cass1821 (1 review written)

How is this company still in business? They alter premiums and terms and conditions on whim. I have a policy which renews monthly, then out of the blue received an email to say they were 'upgrading' my policy for a higher premium. I had to contact them to opt out. I have requested a premium breakdown for the amended premium, but they say they cannot provide this as my policy is not due for 'review' yet. I can only assume that the new premium has been pulled out of thin air, but they state they… Read Full Review

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★☆☆☆☆

“Insured our 2 alsatians with this lot as the premiums...”

Written on: 23/11/2014 by Rosa666 (3 reviews written)

Insured our 2 alsatians with this lot as the premiums seemed very competitive. Paid reasonable rates for many years, but a nightmare when we tried to claim. First dog ingested poison and almost died. His vet bill came to £1,100, E&L refused to pay as the exact toxin could not be identified. Eventually, after a strongly worded letter from our vet and the threat of legal action from myself, they coughed up £650 as a "goodwill payment" and promptly slapped a load of unrelated exclusions on the… Read Full Review

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Gary1988's Response to Rosa666's Review

Written on: 27/11/2014

Having been a claim assessor for this company up until recently, this version of events does not ring true, in either case really, unless poisoning was not initially confirmed? and as for the second case in all my years working for them i can assure you to the best of my knowledge no claim was ever turned down for the ingestion of a bone. I'm not saying your wrong but as an ex member of staff (so nothing to gain by defending them) if you submit legitimate claim with them they will pay, but be warned their payment system is very slow. allow aprox 8 weeks for claims to be settled.

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★☆☆☆☆

“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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