Marks & Spencer Pet Insurance Reviews - bank.marksandspencer.com

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★★☆☆☆
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Marks and Spencer Pet Insurance

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Latest Reviews

★★★★☆

“Had a policy 10 years. No problems”

Written on: 16/08/2014 by katie.harker.980 (1 review written)

Had cat insurance for 10 years. Started off £7.10 per month. I didn't claim anything until the last few years. Now my cat has passed away and insurance cancelled, I had a summary and it showed I had claimed roughly £500 in total. It rose a few pounds over the years, in the later years I rang up, said I'm not happy with the renewal and they dropped it. In the last few years, it rose from £14-17-£26. I didn't argue the last one as I had claimed and I thought meh, leave it. I did not have any… Read Full Review

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★☆☆☆☆

“My policy has increased by 50% this year ”

Written on: 14/07/2014 by ClaytonBenson354 (1 review written)

I purchased my insurance 4 years ago, during this time I have made one small claim only (For a non repetitive rash) This year my insurance has gone up by 50% since last year which is unacceptable! I always thought M&S was a company to trust. I feel cheated!… Read Full Review

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★☆☆☆☆

“No coverage for first two weeks of policy”

Written on: 18/06/2014

My policy came into effect on the same day that my pet dog had to be rushed to the vets as an emergency having been sick and diarrhoea overnight. It was then that I was advised that any illness or injury suffered in the first 14 days after the inception of the policy was not covered. So, if you want to pay for 52 weeks of insurance but only get 50 weeks of coverage then this is the policy for you! I want to give it no stars but think I shall have to give it one. Really it is no stars… Read Full Review

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★☆☆☆☆

“Terrible service and appalling increases per year”

Written on: 09/06/2014

Like other reviewers terrible service and more than double the cost per year for my very healthy mongrel dog. Do not be fooled by a low cost at the start it will increase dramatically year on year. I aksed to speak to a superviser and was told there are no managers in the call centre and it would take 4 days for someone to call me back - all designed to make sure you are not able to speak to anyone if you need to complain. I would strongly advise not using M&S pet insurance - I have 5 dogs and… Read Full Review

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★☆☆☆☆

“Absolute rip off!!!!”

Written on: 24/04/2014 by wasteofspacems (1 review written)

I have a nine year old Westie and am now paying £108 a month for the privilige?? of being insured by Marks and Spencers. Yes we have had claims but as a previous review stated they draw you in with a good policy and then the price goes sky high. When you speak to Customer Services they will state that it is the dogs age.... Why? Don't they know that puppies grow and age? It's almost treated as if its a crime for a dog to age....You can't go to another Insurance Company because they won't… Read Full Review

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★★★★★

“Excellent fair professional ”

Written on: 02/10/2013 by VictoriaBarnett (1 review written)

We have a much loved shitzu who has had many many health and allergy problems he has always been insured with M&S no quibble over any claim they even cover prescription food up to £200 pay direct to vet so we don't have huge bills. We are buying a second shitzu dog in a few weeks and I will be taking a second policy with M&S excellent company excelant cover telephone staff extremely caring and considerate… Read Full Review

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★☆☆☆☆

“They rip you off and with bad customer service too....”

Written on: 29/09/2013

They rip you off and with bad customer service too. They get u initually with a fairly priced cover but beware they increase premiums dramatically each year with increased excess. I started at £18 a month with no excess within 6 years I was paying £75 a month with £90 a month excess. After paying them for 8 years I needed to make a claim to discover they "changed terms & conditions" so I'm suddenly only covered for £1, 000 a year (with £90 excess). I would have been better off having never… Read Full Review

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★☆☆☆☆

“ insurance premiums more then doubled in 3 years ”

Written on: 17/09/2013 by frankieg50 (1 review written)

My 13 year old dog has been insured with this company since 2005. Their premiums were one of the highest around but as they had such an excellent reputation I felt more secure insuring with them then one of the cheaper companies . The premiums went up fairly slowly untill 2009 when my dog developed diabetis and i started claiming then they skyrocketed. in october 2010- they went up to 43 a month. october 2011 to 63 so i changed from the premium policy to the inferior standard one… Read Full Review

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★☆☆☆☆

“M & Spencer Pet Insurance Rip Off. Year 6 Costs £1095”

Written on: 13/09/2013 by MichelleTJ (1 review written)

WARNING: DO NOT USE MARKS AND SPENCERS DOG PET INSURANCE. 6th Year 2013 - £91.29 pm Annual Premium £1095.48 It’s legalised theft. I’m outraged at being ripped off. CHANGE INSURANCE CO’S ASAP. Your mthly premiums rise astronomically. They have you against a barrel because any pre-existing conditions will not be covered if you change. So leave asap. I have hardly used the policy so there is no reason for the rise. 1st Year 2008 – £20.79 pm Annual Premium £249.48 2nd Year… Read Full Review

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★★☆☆☆

“Huge rise in premium”

Written on: 02/08/2013 by sarahsw19 (1 review written)

This years premium is £610 for my cat and I've never claimed ! Found a cheaper premium that gives greater cover so won't bother to re-new this year with M&S… Read Full Review

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Michelletj's Response to sarahsw19's Review

Written on: 13/09/2013

WARNING: DO NOT USE MARKS AND SPENCERS PET INSURANCE.

6th Year 2013 - £91.29 pm Annual Premium £1095.48

I’m outraged at being ripped off. CHANGE INSURANCE CO’S ASAP.

Your mthly premiums rise astronomically. They have you against a barrel because any pre-existing conditions will not be covered if you change. So leave asap. I have hardly used the policy so there is no reason for the rise.

1st Year 2008 – £20.79 pm Annual Premium £249.48
2nd Year 2009 - £26.99 pm Annual Premium £323.88
3rd Year 2010 - £33.99 pm Annual Premium £407.88
4th Year 2011 - £40.99 pm Annual Premium £491.88
5th Year 2012 - £61.49 pm Annual Premium £737.88
6th Year 2013 - £91.29 pm Annual Premium £1095.48

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★☆☆☆☆

“M&S Claims Staff Insensitive At Time Of Euthanasia ”

Written on: 29/05/2013

I have been with M&S pet insurance for both of my Cats for Several Years now. However when I phoned the claims help line when I wanted confirmation of the terms of putting my cat to sleep, the girl did not know the information I was requesting. As I had spent the morning crying on the phone organising the vet and private cremation, I did not feel like waiting whilst this girl asked for information from a co-worker. I asked to speak to someone who know what they were talking about, so that… Read Full Review

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★☆☆☆☆

“Dreadful - huge Hike in premiums every year”

Written on: 17/05/2013 by basilpob (1 review written)

I took out pet insurance with M%S for my Dog when he was a puppy, seven years ago At that time it had no excess and premiums were £11.00 per month- great Value for money Each year premiums have been hiked up .Seven years along -My premiums are now £56.00 per month with a £75.00 excess , more than double our car insurance.During this period I have only made 3 small claims (all under £75.00)- All have been for an intermittent skin condition , and I feel trapped in case he has more skin… Read Full Review

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★☆☆☆☆

“Nearly 900% hike in premiums over 6 years to £1200...”

Written on: 01/05/2013 by disatisfiedxxx (1 review written)

The premium for our dog has risen from £12 to over £100 per month in just six years. Our dog has sever hip dysplasia so we are unable to get alternative cover. The premiums are extortionate and we feel totally let down. The company also unilaterally introduced aan £80 annual deductible four or five years ago. I will never obtain any insurance produce from this company. Avoid it like the plague… Read Full Review

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★☆☆☆☆

“Daylight robbery”

Written on: 27/04/2013

I got M&S pet insurance when my dog was a puppy for £11 a month. She is now 6 years old and the monthly premium is £54.18. That's £650.16 per year! Double what I pay for my car insurance. It's absolutely disgraceful. I would not recommend M&S pet insurance to anyone. They will rob you blind… Read Full Review

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★★★★★

“sensitive, efficient, polite and fair”

Written on: 20/04/2013 by sandieandvic (1 review written)

Our beloved rescue dog, aged approximately 7 years ,collapsed suddenly.He received treatment over a week -including three consultations, steroid injections, antibiotics,sedatives, xrays and extensive blood tests. The Xrays showed that he had a hugely enlarged heart and little lung capacity and had somewhat confused the vets and myself once I had seen the Xray, in being still able to walk, jump in and out of the car and even run on the beach a week previously. He was diagnosed with… Read Full Review

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★☆☆☆☆

“50% hike!”

Written on: 10/04/2013 by Duntrodden (1 review written)

Got my insurance premium in for the dog yesterday to discover that because he has reached the grand old age of 2 (!) AND we had the audacity to put a claim in for treatment in January, the price has gone up by 50%. Add to this the extremly unhelpful man I spoke to on the phone who was insisting I'd moved in January (I hadn't!) being another reason for the hike means that I am currently looking at other providers… Read Full Review

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★☆☆☆☆

“Please please please do not take up M&S Insurance”

Written on: 26/03/2013 by sarahpops80 (1 review written)

If you are unlucky enough that your pet is unwell and you have to make a claim, they will pay up but then hike your premiums up and up until you can no longer afford to give your pet the care you thought you were assuring him of. I've just had my renewal through for 2013 and it is £160, a 50% increase from last year. My dog is just 7 years old! I am absolutely astounded that M&S and their underwriters Royal Sun Alliance are getting away with this. Please for the sake of your pets, your… Read Full Review

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★★★★★

“M ”

Written on: 21/03/2013

M&S pet insurance has consistently paid out on every claim we submitted over the seventeen years which we were lucky enough to share with our cat. In her latter years, she had to have treatment for her thyroid gland which would have cost us £4000, together with ongoing diabetic treatment - however, M&S insurance didn't question any of the claims and we were able to pay these very large bills directly through them. Yes, the monthly premium did go up last year to £40 from £27, which seemed… Read Full Review

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★☆☆☆☆

“Default notice issued at end of policy”

Written on: 20/03/2013 by Sparkless (3 reviews written)

I took out a policy fro pet insurance and at the end of the term, was notified of price increase of £3 per month. I didn't want this, as I can get cheaper and better elsewhere, so I cancelled the DD after all payments were made, in full and have now, received a default notice, which if actioned, will affect my credit rating for 6 years. When I rang to complain, the advisor said that the default notice is 'nothing to worry about ' and 'won't affect my credit rating'. Clearly, ill advised. He… Read Full Review

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★★☆☆☆

“Eye watering price increase”

Written on: 21/02/2013

My dog is 9. I took the policy out when he was 3 and in that time it has gone up from £20 to £90 a month. I had to cancel as I cannot afford it. I have claimed only once, just after I took the policy out. They paid up right away but made me pay two lots of excess as they said my dog had 2 different conditions. For what I've spent and what I got, I'm putting the money in a savings account instead… Read Full Review

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