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!