Its not a lifetime policy

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tqMcDermott36's review of Marks and Spencer Pet Insurance bank.marksandspencer.com

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“Its not a lifetime policy”

Written on: 07/04/2021 by tqMcDermott36 (1 review written)

They sell it as a "lifetime policy" but it isnt because they treat very year individually. If your pet has a condition which needs treatment over more than one year they will charge you the excess for each year. For example if your policy is renewable on 5th January and you go to the vet on say 30th December for a consultation but dont go for treatment until January 8th they will deduct the excess for the year the consultation is in and again for the year of the treatment. This happened to me and resulted in them deducting two years excess (£400) .Insurance companies use every trick to avoid payment but M£S have it off to a fine art

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