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

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Latest Reviews

★☆☆☆☆

“Feel totally screwed over”

Written on: 26/11/2016 by koBlack239 (1 review written)

After being loyal customers to E&L for 10 years feel totally done over. Our Tonk Muppet fell suddenly extremely ill last month after 9 years problem free. Tests proved diabetes and he was hospitalised, stabilised and commenced insulin treatment. He never recovered and we had to make that heartbreaking decision. The vets fees were in excess of £2000 which we had to pay for up front to the vets as they did not deal directly with E&L insurance. After weeks of chasing the claim we are horrified… Read Full Review

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★☆☆☆☆

“Appalling ”

Written on: 23/11/2016 by 342McQueen (1 review written)

After several emails chasing up they have now stated that the claim is agreed, but I will need to wait for payment , as claims are dealt with in date order. Six weeks later still chasing them..... They may be the cheapest, but paying any premium if they do not pay out is a waste of money. Though they were very quick to place exclusions on cover after my dog was diagnosed with a heart condition. Avoid… Read Full Review

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★☆☆☆☆

“Very very slow claim pay outs”

Written on: 16/11/2016

I have made several claims and they always take at least 10 weeks to pay out! They have paid out which is a plus but will never give you any indication as to whether they will pay or give any pre authorisation! I feel I have to stay with them as my dog has not pre existing conditions but would definitely not recommend them to anyone else! Very disappointing!!… Read Full Review

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★☆☆☆☆

“Delay in payment”

Written on: 24/10/2016 by patriciaturner (1 review written)

24.10.16 After 8 years of paying this policy I have had cause to claim on my dogs insurance. I submitted my claim in early August and whilst payment of the claim has been authorised since mid September I am still awaiting settlement. Staff members that I have spoken to have not been helpful. I would not recommend this company find someone else. … Read Full Review

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★★★☆☆

“poor communication”

Written on: 11/10/2016 by matdat (1 review written)

does not answer emails , very slow in making claim payments yet quick to send email concerning symptoms which are being excluded if claim made… Read Full Review

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★☆☆☆☆

“Worst Ever Pet Insurance”

Written on: 06/10/2016 by Gael1980 (1 review written)

I took out the pet cover in May 2016 for my 5yr old dog. Had to make a claim for a cyst removal from my dogs Paw. It isn't settled, weeks so far and all I have had from them is a notice to say there are now exclusions incurred on my policy for eyes! No settlement in sight...if you'll excuse the pun! Can't get hold of anyone to speak to, the only response is to say that there is no one in the office to help. Vey Very poor… Read Full Review

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★★★★☆

“not all that bad ”

Written on: 14/08/2016

After my horse got put down I made a claim for death and surrounding vets bills. After reading all the horrific reviews I was expecting E&l to be a nightmare and was expecting my claim to be rejected or for them to pull out some trick so they could refuse to pay. However in all honesty I must say they were absolutely fine. Paid out no questions asked and all the service I received over the phone was great. Staff were really helpful and friendly. Only downside is they were a bit slow in… Read Full Review

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★☆☆☆☆

“3 Months And still waiting for a pay out”

Written on: 11/04/2016 by 492Lamont (1 review written)

i should have known when my vets said they are the only company they don't do direct claims with I was in trouble. After thousands of pounds of X-rays and surgery on my dog I'm still out of pocket. I sent my claims form off the day the surgery was done and three months down the line I'm still being told it'll be 9-12 days before payment... Unfortunately this is what they told me 3weeks ago too. Terrible company, I will be cancelling my policy as soon as I finally receive my payment… Read Full Review

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★☆☆☆☆

“Now I know why I stopped using them ”

Written on: 09/03/2016 by 107Gilbert (1 review written)

While telephone staff in customer services are polite, the actual Company customer service is terrible. Provided claim details 6 weeks ago. They didnt take vets information as truth and asked for dogs complete history. Presumably this is to delay payment? Luckily my vet provided information same day. Still waiting six weeks later for payment although it has been agreed it is a valid claim. Used this Company for Equine Insurance may years ago and now know why I stopped using them. Their excuse… Read Full Review

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★☆☆☆☆

“Terrible claims service”

Written on: 23/02/2016

5 weeks on and my claim has still not been settled. Over 3 weeks ago I was informed that it had been agreed and I quote them as follows "We issue payments in a strict date order, this is in order to ensure we are treating customers fairly.Unfortunately, we cannot advise of a timescale as to when your payment will be issued." This is not good enough. Luckily I have the wherwithal to carry the cost until reimbursement but if the claim was at the top end of the policy limit I would be in… Read Full Review

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★☆☆☆☆

“6 months to get claim money - hours of our time wasted”

Written on: 16/02/2016 by aimeeg92 (1 review written)

Would never recommend this company. Hours and hours wasted on the phone to them saying the person we needed to speak to about our claims wasn't in the office and would call us back the next working day, the calls NEVER came, not even once (for weeks we were calling every 1-2 days). All emails to said person were also repeatedly ignored. We were told we could not make a complaint until the claim was settled (although we could never get through to the "one person in the entire company that was… Read Full Review

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★★★★☆

“Horse insurance ”

Written on: 15/02/2016 by Kyank13 (1 review written)

I was wary of this company having seen other people's reviews, but they were markedly cheaper than competitors for my horse. As it turned out, we sadly lost our horse unexpectedly only 5 months after insuring her and they paid out for her veterinary care and for her value, so we can't complain… Read Full Review

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★☆☆☆☆

“what a joke!!!!”

Written on: 05/02/2016 by cathyv (1 review written)

I will never use this company again. I lost my dog dec15 with cancer and this company is still.messing me about regarding my claim. 5 days after my dog passed they even tried taking another months money out even though I cancelled the policy and told them my dog had passed. Ive found the whole experience with this company trully upsetting and they even lost my invoices from the vets. If u want a good service then dont use this company esp if its to insure urpet. Its an absolute joke… Read Full Review

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★★★☆☆

“Great Premiums, SOOOOO Slow at paying out”

Written on: 21/01/2016 by 478Barrett (1 review written)

Don't get me wrong the premiums are really good. I have 3 dogs and 1 cat and cant get cheaper. One of my dogs has an ongoing Arthritis problem and gets supplements monthly and Anti Inflammatories every 2nd month. But OMG talk about slow at getting paid back. If you get your money back within 6 weeks your lucky. They need more claims assessors and then in my opinion they would be the best around… Read Full Review

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★☆☆☆☆

“avoid”

Written on: 20/01/2016 by 27329 (1 review written)

Avoid this insurer at all costs. I signed up for the plan and they emailed me to say I was covered instantly. However months later when my animal had an accident I found out that they never took the money from my account and refused to cover me. They then took the money from my account but would not answer any of my emails or enquiries as to what period of time I was covered for and when my renewal date was. I said if you arent going to cover me I want a refund which was ignored. They claimed… Read Full Review

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★☆☆☆☆

“UTTERLY, UTTERLY, UTTERLY USELESS”

Written on: 04/01/2016 by Trenton136 (1 review written)

I had to have my 12 year old American Cocker Spaniel put to sleep in mid September 2015 I put in a claim immediately. After about 8/9 weeks I telephoned them to see what the delay was in settling the claim and they informed me that it was in hand and would be paid out shortly. Well I is now 4th January 2016 and the money has still not been paid. I conacted them again and they said it would be paid into my account within the next couple of days. The total vet bill was for approximately £415… Read Full Review

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★☆☆☆☆

“Terrible. Cannot recommend E & L”

Written on: 27/11/2015 by RainaG (1 review written)

I cannot recommend E and L insurance as they will get out of paying as much as possible. My recent vet bill for my dog was first refused completely as they thought his tumour on his spine might be connected to and exclusion from a heart problem? Finally after many mails they paid £594 towards his £2,245 bill,after all their deductions! Where is the peace of mind for having pet insurance. … Read Full Review

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Sandy2212's Response to RainaG's Review

Written on: 08/12/2015

I had a similar experience and am disgusted by their complete lack of ethics and compassion. I would never recommend EandL in fact I would actively discourage anyone from using them.

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Rainag's reply to Sandy2212's Comment

Written on: 08/12/2015

Yes, I agree.
My vet warns people not use them too! He says the way to remember E & L is it stands for Evasion and Lies.
Warning people is all you can do.

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★☆☆☆☆

“Horse Insurance”

Written on: 26/11/2015 by dwHicks484 (1 review written)

Claim turned down as supposedly my horse had the clinical signs of the condition within 2 weeks of taking out the policy. Unsure where this information came from as he was seen by the vet the same week I took out the insurance and was symptom free, just to convince myself I have looked at photos taken after this date (symptom free). I was already insured with another company and was tempted by this companies cheaper premiums - what a mistake. He was only diagnosed when the vet was called out 3… Read Full Review

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★☆☆☆☆

“Rubbish”

Written on: 24/11/2015 by Butler219 (1 review written)

Wriggle out of claims - do not bother with this company… Read Full Review

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★☆☆☆☆

“Extremely poor”

Written on: 29/09/2015 by Jazmine23 (1 review written)

I was quoted £59 per year which should be 4.90 per month but am actually being charged 6.40 per month plus they add on an extra month because they go on a 'lunar' scheme because they make more money that way. This makes it closer to £90 rather than the £59 quoted. When my animal had an accident and passed away E&L would not cover the cost of a new animal unless i personally paid hundreds of pounds to have an autopsy done to determine cause of death, eventhough cause was already known since… Read Full Review

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