I took out a lifetime cover for both our dogs. They weren't the cheapest, but their list of items covered seemed extensive, so decided to go with them. We were asked to give permission for them to contact our vets to view the dogs medical history. We did this and soon after we received our cover note for the dogs. I became annoyed when I noticed all the exclusions listed at the bottom of the page. Including, fore leg conditions, which I found out is because I had mentioned to the vet on a visit, that I thought our 6 month old puppy had clicky joins and was sensitive around the leg area when sometimes playing. I called the insurance company and said that the vet had looked over our pup and nothing was wrong. They asked for the vet to contact them and talk to them regards this. Our vet kindly wrote a letter, stating that he had examined the pup and found all was fine. They came back to me saying they wouldn't take his word for this!!! They then wanted proof that no treatment had been given, so again our vet send in up to date med records. Their excuse this time was that they were no different to the ones received a few weeks earlier so again the foreleg conditions exclusion would remain.
The other exclusion was because of tests that were carried out on the same puppy after it was thought she was drinking far to much water and as a result peeing a lot. After several tests, there was nothing found. But again Help You Cover refused to remove the exclusions, after this was pointed out to them....
It just seems to me that they will use any comment made or examination done, regardless of the fact nothing was found wrong after examination, to exclude huge parts of your cover ( and I might add, they don't reduce the premium because of it...)
I certainly wouldn't recommend them to any one and we certainly won't ever use them again
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!