|Should be re-named Animal Haters - Animal Friends|
Kris Anderson, 10 March 2014
My dog Keira died at the age of one. she died from septicaemia and my vet and the emergency vets said that they didnt know what caused her to get this. As the vets didnt have an answer to what caused the septicaemia, "Aniaml Friends" decided they would make up their own cause. Obviously this cause is part of their Exclusions so they wont pay out. After they first declined i rang them up and they said that i would have to get the vets to email them saying that they didnt know. They sent the email and they just declined again. I am still currently fighting against Animal Friends as I refuse to pay the £2300 bill when I had insurance. They are all smug about donating some of their profits to charity but this is probably because they make that much money from not paying out.
|How can 2 injuries equate to 1 bilateral condition - Animal Friends|
Unhappy and out of pocket!, 9 March 2014
Our retriever suffered a ruptured crutiate ligament in his left leg as a result of an accident running on a beach. He had done the same thing to his right leg over three years ago but wasn't insured at that time so we made no claim. He made a full recovery and we've never seen the vet since. Animal friends are refusing to pay for the left leg injury with the rationale that any 'bilateral pre-existing condition' is excluded. What rubbish. How can injuries through trauma,years apart, be classed as a bilateral pre existing condition. I've appealed against their decision but they still refuse to budge. What makes my blood boil is that their medical questions they ask prior to you taking out insurance do not cover any injuries. I phoned them to tell them about his first crutiate injury and was told they would cover him now as I had not claimed the first time, so this would be a 'new' condition should it ever happen. How wrong I was not to get it in writing! Our vet wrote on our behalf as well and said AF are well known for refusing to pay out. Moral of the story is.....stick money each month under your mattress and if you need to pay for your animals treatment it'll be there with no arguments over paying. I won't be staying with them and am spreading the word about how bad they are. Wish I'd read all these reviews before taking out the insurance. Hindsight is such a wonderful thing!!
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|Great service - almost £1400 back - Tesco|
Brittney, 5 March 2014
We have 2 yorkies insured and one came down with pancreatitis. Without the insurance we wouldn't not have been able to provide for our little lady. Easy to use and everyone was very friendly.
|criminal! - Animal Friends|
sar156, 18 February 2014
My 3 yr old dog recently had to be put to sleep after becoming paralysed, we had rushed him to willows as an emergency referral, paid my excess plus admin fee, animal friends have paid less than half of the bill, adding their own exclusion that is not in the policy at their own admission! I have reported them a couple of days ago to the financial ombudsmen, after losing my beloved dog I really can do without the added worry of being over 600 out of pocket! Avoid like the plague!
|insulting - Animal Friends|
J.Jessop, 18 February 2014
I took out insurance for two dogs in Aug 2012. Unfortunately my dog had to have an aggressive mamory tumour removed in Dec 2013. I made a claim and after weeks of chasing them, I received a letter saying the had looked through my dogs medical history and because I had bred from her the policy was void and they wouldn't pay out. The claim had nothing to do with her having had puppies. It was a totally unrelated claim. I explained to them that she had had a couple of litters in the past which I kept a puppy for myself as a pet. I am not a commercial breeder.Would a private health insurance deny a claim for a women with a breast tumor just because she had given birth in the past. Ridiculous company.
|Avoid - Purely Pets|
Alan Thompson, 17 February 2014
Don't go anywhere near this insurer as they will willingly take your money and then attempt to crawl out of paying your claim as demonstrated by Mr Kane's findings in his review dated 6tth of October
Avoid going anywhere near this company !
|Unlikely to pay out for aclaim - E & L|
A Martin, 13 February 2014
We have recently had to make a claim for our Labrador who has developed a heart condition, but E&L won't pay up as they believe it is a long standing condition, although totally unrelated (our vets words) with the current heart problem, so we now have to pay out for ongoing treatment abd medication, and have therefore terminated the insurance.
|Won - Animal Friends|
S Beard, 5 February 2014
Have been with Animal Friends since 2009, my Westie was taken ill with Pyometra and nearly died we had to have an emergency spay to remove her infected womb so she didn't die. Our costs came to £700.00, we put in our claim and Animal Friends are refusing to pay it as in her notes at the surgery it was suggested 10 years ago to spay her which we refused because we were going to let her have puppies and they are using this as an excuse not to pay even though Pyometra only effects 2% of girl dogs. If every girl dog was spayed just in case they'd be no dogs left. Just to let them know Watchdog is my next port of call. Please read reviews on other forums this company just takes your money and won't pay out
|Bad Service, slow pay out - E & L|
Kirsten McLeod, 3 February 2014
Had the lifetime insurance for my labrador and thought I had the lifetime insurance for my flat coat as well (because premiums were pretty much the same). When my flat coat developed a lump under his eye, E&L initially refused to cover as it was an existing condition - they referred to a remark about a third nipple in my dog's medical records! How E&L can think that a third nipple and a lump under the eye are one and the same, is still beyond me! It took numerous phone calls between my vet and E&L for E&L to finally admit liability. My dog then had to be referred to a specialist - that's when I found out that I only had the annual cover. Also I was not covered for £4000 as I had assumed but for £1000 only but for a total of 4 conditions. It then took a couple of months for E&L to refund me the money - statements ranging from "we are evaluating the claim" to "it's being processed" to "we are working on it" to "we are very busy" to "we cannot say when payment will be made" to "it's in the payment queue". There was a very real chance that I could have lost my dog to cancer (luckily I didn't) but having to argue liability with my insurance company was something I could have done without. My fault for not reading the policy properly but I consider E&L's way of contesting my claim highly unethical, unsympathetic and downright cheeky - I hate to think how many owners would have given up under the stress! Thanks a lot to my vet though who persevered and kept fighting my case with E&L. It's time for renewal and needless to say that E&L will be nothing more now than a bad - and costly - memory! Just as note-by: the insurance premium for my flat coat would have trebled (despite various exemptions that E&L slammed on my policy)!! I got a much cheaper insurance, higher cover and (hopefully) better customer service (judging by reviews anyway) - but hopefully I'll never have to claim insurance ever again!!
|Easy to use, No problems - ASDA|
Stuart Conway, 3 February 2014
Our cat badly cut her paw. The vet dealt with Asda directly and we had to do very little other than contact Asda initially and supply policy number to the vet. Vet also said that Asda were never a problem.
|Fantastic - Pet-insurance.co.uk|
Vicky, 2 February 2014
I have had my two dogs insured with this company for the past year as they were the cheapest around, both are on a lifetime cover, my cavalier king charles recently has been diagnosed with heart problems and I must say they have been fantastic, only a quick email response was needed (due to Lily not having seen the vet for quite sometime)and they paid out straight away and are continuing to do so. absolutely great especially as some of the reviews are dreadful for them! definitely would recommend them.
|Excellent - Petplan|
cathy, 26 January 2014
Pet Plan are expensive but they have been fantastic for us. My Golden Retriever (only 3 yrs old) needed expensive Cruciate ligament surgery a few months ago. All I had to do was pay for the excess fill in the forms at my vets and the rest was sorted direct via the vets and pet plan. No nonsense at all. I would highly recommend.