Responsive but punishing financially

“Responsive but punishing financially”

Written on: 04/06/2018 by laurblum (1 review written)

I have used this company for all our pets for the past 20 years. They have been very responsive to all our queries and claims and for this I must commend them.
My pet had a significant condition, cancer, and had a foreleg amputation and there was no question of them refunding the costs.
However:
* When your pet turns 10 the excess increases from £100 to £150
* The excess applies to payments for a single ongoing condition UNTIL you renew the policy. The next claim for the same condition incurs another £150 excess payment.
* My pet died halfway through the year and they retain the entire year's premiums which I feel is very unreasonable.
One is bound to them as if you change insurers, they often do not cover you for existing conditions
It is not cheap to own a pet and not cheap to insure them but I feel that the terms and conditions of this insurers' policy should be challenged