I'm disgusted with the way these cowboys do buissness. They will not offer you cover for pre existing conditions even if your willing to pay a higher premium. So if my cats are attacked by harvest mites again I'm not covered. They are shoddy and slow during the claim process and use miss information to cover the slack processes they follow. Stay away from these idiots.
Reviewed By: a very disgruntled costumer, Recommend: N
On first reflection seemed a good deal but i soon realise it wasnt wat it was agreed basically I wanted a good cover wat I got was well rubbish.covered for life I took out wat they sent me was a standard one so if I carried on and my pet got ill once she hit there limit than I be incured for the rest dont bother with this company first thing in morning it will b cancelled
2/5 Cover for Life negated by premium increases
5 September 2014
Reviewed By: Roger Devlin, Recommend: N
I took this policy out when my dog was a puppy as it was a reasonable price and gave cover for life which was important. However in the last two years the premiums have shot up and are now £103.76 a month for this year. My dog has just turned 9 so they also want me to pay the first 25% of the claim which means that they are only covering the equivalent of vets bills greater than £1500 in a year. Obviously they don't want to cover older animals so make the policy too expensive to be practical. So much for "Cover for Life". I would suggest you don't use this company.
I took out a policy with helpucover in 2009. Although it was more expensive than other insurance companies, I wanted an insurance company that gave me long term security and they advertise that 'If your pet develops a long term chronic illness such as diabetes or an ongoing skin condition, provided it didn't pre-date the policy, this will be covered for the rest of your pet's life.'
In 2011 my dog developed a long term illness and since then the premiums have gone up tremendously. Last year it was £84. and this year £141. and I already now have to pay 25% of the costs.
It works out that I am paying the monthly costs of the treatment to them in policy payments, so actually I am the one covering the cost of the lifetime treatment, not them!