On a Sunday morning my dog had weird bumps around his face so we contacted an online vet through vetsnow. After online consultation the vet told us that the dog has hives (allergic reaction). Because the allergic reaction was starting around his face there was potential that it could spread to the neck and block his airways which could result in my dog's death. The vet recommended that we get to emergency room as soon as possible for adrenaline shot which we did (confident that our insurer would cover the cost of this emergency). It took VetsMediCover one month to respond to us to say that they will not cover emergency vet fees because the condition was not life threatening. It is very disappointing that the company can simply make things up even though we had a professional medic advising us the contrary. Would not recommend to use the company.

Customer since 2011. Never claimed, excess always £90, first premium £336. Premium 2016 (age of pet 5}: £478 and 10% of vet fees out of own pocket. Premium 2017 and 2018: £635 and 20% of vet fees out of own pocket. Premium 2019: £890 and 20% of vet fees out of own pocket. Better cover in all areas available from LV at £840. Same cover available from Vetsmedicover for new customer at £735. As demonstrated above, premium hikes only occur once you are effectively locked in due to pet's age. I will be contacting Vetsmedicover to complain, as the hikes are not justified based on our no claim history (and they would make me pay £90 plus 20%!).

Coming to the end of my 12 month lifetime policy my dog suddenly got ill... this went on for 2 weeks and in this time my insurance policy renewed as it had done for 6 + years. I have never had any real issue with them until now. Because my dog sadly passed away at the beginning of the renewal, if I want any of my claims paid for (from the 2 weeks before his death) then I have to pay the whole yearly insurance upfront. Apparently it’s in the terms and conditions. So what it sounds like is, your pet can sadly pass away but it will have to be at the end of the 12 month policy otherwise you’ll have to pay the rest of the premium upfront if you have any vet fees or cancel the policy and pay the vet fees yourself. I cant help when my dog passes away and the trips to the vets prior to this. I think it’s absurd to ask me to pay the year up front, it is a RENEWAL, and it’s what I pay insurance for, to be covered if the unfortunate happens.

Recently had the need to speak to a vet at a weekend. Was delighted that the on call vet for Vets Medicover was available immediately and I was given complete reassurance about my Golden Retriever. Saved me immense worry and expense.

My experience with this pet insurance has been excellent! Stress free, fast and always helpful customer service! Reliable and affordable for everyone! I would definitely recommend it to friends and family. Saved me a lot of money and time! Thank you for being so lovely!

I had some issues with previous pet insurance, however my experience with Vetsmedicover has been fantastic. I found them to be very transparent and honest, with a great service every step of the way. I would defiantly recommend them to any of my family and friends.

When your pet is over the age of 7 they keep hiking the insurance up to unaffordable prices so you cancel it. I regret deeply putting my pet with this company, he now will be uninsured as I cant afford the huge premium and due to his age cant go anywhere else. I have 3 cats with pet plan and one of which has had huge claims and the prices were not hiked up considerably. You pay more for petplan but they are very fair and the service is always fantastic. I wish I had never signed to vets medi cover. Also to add to this claims took over 4 weeks to pay out... shocking all round.

Our rottweiler was hitting the older dog mark and some pet insurance won't even consider an older pedigree dog or the prices are too high. After research and looking at reviews for vetsmedicover, we went with them. Then we had bad luck with our otherwise healthy dog after only a few months insurance cover as unfortunately he went and did his cruciate ligament in. We were concerned how this would go as we have never had to make a claim before, but it was very smooth and stress free. We have peace of mind and when our dog's insurance cover comes up for renewal next year, we will very likely go with vetsmedicover.

I had used them for a year and I was informed that after a year of loyalty they would no longer be providing my cat with insurance, she is only 8 years old. I would never use them again.

Thanks very much for your help, great service throughout. Would defiantly recommend VetsMedi Cover. Thanks again... woof

My Boxer is 5 years old and during the first two years I would of recommended Vets Medi Cover. it started at £28 a month, last year £78 a month and I have just had the renewal at a whopping £139.32 a month. The original policy was for £10,000 worth of cover. They have now put a limit of £3000 for the conditions that we have previously claimed for. I rang Vets Medi Cover who were most unhelpful and unsympathetic Vets Medicover is the broker and the last two insurance companies have not continued with them, hence the higher prices. The underwriters are now QIC Europe Ltd. I Definately would not recommend VETS MEDICOVER!

Very helpful staff. All claims for my poorly puppy dealt with most efficiently.

Going to the ombudsman with this company. Doubled premium due to change of underwriter and will only cover my dog for 3k for the rest of her life with the condition she has. Plus having to pay 20% of any claim. I took the cover out on the basis I would have 10k a year per condition. Taking this to the FOS and I will win. Shoddy service!

Just wanted to say that I notice from my bank statements that the claims for Lola have now been paid. Also, I wanted to thank you for the way you dealt with the slight hiccup with the claims which spanned the change of your underwriters, the way you dealt with it was friendly and really excellent customer service. Thank you 

I cannot describe how angry I am with VetsMedicover. They should not be allowed to mislead their customers into thinking that they are taking out a lifetime policy for their beloved pets, when they know full well that the most you will get out of this company is 2 years. We took out a policy with VetsMedicover for our fist dog after being advised to take out a lifetime policy that would protect us in the eventuality that our dog got a chronic condition. As many responsible pet owners would agree, taking out these policies provides peace of mind that your pet is covered for any vets bills you may incur, so that you are not subject to unexpected bills., Since we took out the policy they have changed underwriter twice, and because we had no ongoing claims, everything was fine and our policy transfered over with the same terms. However, now that our dog is being investigated for seizures, and is most likely going to need treatment for epilepsy for life...... Guess what ? The new underwriters will not accept our dog without either excluding his condition, or charging us more that double the premium with only a third of the cover. A TOTAL JOKE. - If they sell life cover they should provide life cover regardless of the underwriter - if they know that they change underwriters this regularly, why do they continue to mislead customers that they are getting a life policy - They have a duty to be clear and transparent with their customers so that they are made aware, in a very CLEAR way that there is a risk that their life cover is probably not going to be any more than a couple of years - They need to stop comparing themselves to other insurance companies, as others may out prices up, but they do not mislead their customers into buying something that they know is not fit for purpose. - they also do not pay quickly at all as they claim to do I will pursue this for as long as I live until I get what I deserv serve for my dog, and ultimately what we paid for.........

Like other recent reviewers I insured my 2 dogs for *life* approx 5 years ago. I still have the original leaflet picked up from my vets surgery at the time. And I quote: ""Lifetime pet insurance is invaluable. We offer three lifetime policies, all offering exceptional levels of cover. Lifetime cover provides peace of mind for pet owners concerned about their pet developing a long term, chronic or recurring illness. We will pay year after year, for any necessary veterinary treatment of your pet as long as you are insured with us."" Now suddenly premiums are hiked and an excess of £85 + 10% for the 6 year old and £85 + 15% for the 8 year old, lifetime cover withdrawn and EVERY condition covered by them prior to the renewal date is excluded. Customer service are very pleasant to deal with and agree that this is not the cover I signed up for but say the underwriter calls the shots and they don't want to pay claims. I urge anyone in a similar position to use the Finacial Ombudsman Complaint Service.