Vetsmedicover launches unique lifetime pet insurance policy
December 2, 2010 by Webmaster
Filed under Pet Insurance News
Vetsmedicover, an independent pet insurance provider, has launched a new, unique lifetime policy in the UK. The policy is both comprehensive and affordable with a unique, fixed monthly premium of £14 for cats and £18 for dogs, regardless of age, breed and postcode. Find out more
Fixed premium – no need to request a quote
Pet insurance companies usually provide quotes based on 5 criteria: age (the older the more expensive), breed (the bigger, the more expensive), postcode and previous claim history and veterinary fees inflation. This makes it very difficult and time consuming for customers to compare true value for money.
Vets Medicover pet insurance approach is innovative in its simplicity: there’s only one premium for cats, £14 a month, and one for dogs £18 a month. It doesn’t matter where you live, what breed your pet is, if you have claimed before or how old they are. Note however that cover can only be purchased for pets between 8 weeks and 8 years old but once on board, they’ll be covered for life as long as you keep renewing your policy. Find out more
Cheap lifetime pet insurance policy
Vetsmedicover is not only affordable, it is also very comprehensive:
- True lifetime/lifelong policy which covers illnesses and accidents up to £10,000 per year, year on year as long as you renew your policy with them each year. Other types of policy restrict the amount you can claim to a financial ceiling (per condition cover) or to a 12-month period from the treatment start date or first sign of the condition. With a lifetime cover, you can claim year on year without the fear of an exclusion. Note that pre-existing conditions are never covered in insurance.
- Complementary treatments included: sometimes your pet will need to undertake an alternative treatment to cure their illness or help them recover from an accident or injury. Hydrotherapy, physiotherapy, acupuncture and chiropractic therapies can give you a better chance to treat your pet successfully and it’s fully covered with Vetsmedicover.
- £1 million towards third party liability: if your dog were to cause an injury to a person or damage somebody’s property you may be legally liable to pay compensation. In such case, you would be covered by Vetsmedicover.
- Only £80 excess per condition per year: there’s no higher excess for older pets and no % excess unlike other providers. You pay the excess only once per unrelated condition per year.
>> Find out more about Vets Medicover pet insurance online to get 1 extra month FREE.
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Has the pre-authorisation been scrapped, as it still states on their website that you need to call for authorisation! I need this claifying if I am to move to you from PetPlan.
Regards
Amy Bond
Julie,
Do you know your not covered for the 1st 30 days with VetsMediCover? You are better to take the other insurance out prior to your free one running out.
Hope it all works out for you.
Amy
I insured my kitty with VetsMediCover a few months ago and I recently made my first claim. My cat got sick with a mysterious swollen neck and was very sluggish. I called VetsMediCover to tell them I was taking him for an appointment. They were polite and helpful, and they emailed me a claim form which was very simple to fill out – the vet actually did most of it and sent it for me.
Kitty had an infection and was given antibiotics and anti-inflammatories. A week later he seemed better and I took him back for a check up to see if everything had worked, and luckily he was given the all-clear.
In total, for both appointments and the medicines, I paid approximately ~£94.50. I have just received a letter confirming that they will put the ~£14.50 (so what I paid, minus the £80 excess) into my account in the next few days.
I know there’s not a lot of reviews around for VetsMediCover right now so hopefully this will help some people who are wondering where to insure my pet. From what I have experienced so far, I would recommend these guys – no complaints about them at all!
I insured my kitty with VetsMediCover a few months ago and I recently made my first claim. My cat got sick with a mysterious swollen neck and was very sluggish. I called VetsMediCover to tell them I was taking him for an appointment. They were polite and helpful, and they emailed me a claim form which was very simple to fill out – the vet actually did most of it and sent it for me.
Kitty had an infection and was given antibiotics and anti-inflammatories. A week later he seemed better and I took him back for a check up to see if everything had worked, and luckily he was given the all-clear.
In total, for both appointments and the medicines, I paid approximately ~£94.50. I have just received a letter confirming that they will put the ~£14.50 (so what I paid, minus the £80 excess) into my account in the next few days. I realised in hindsight that I hadn’t obtained authorisation for the second check-up, but I was still reimbursed, so perhaps they have indeed scrapped pre-authorisation.
I know there’s not a lot of reviews around for VetsMediCover right now so hopefully this will help some people who are wondering where to insure my pet. From what I have experienced so far, I would recommend these guys – no complaints about them at all!
Sorry for the previous double comment – just to add, I took kitty for his second check up on August 1st, so it only took 17 days after that for me to receive the letter confirming my reimbursement. Very pleased with that!
well what a surprise took the vetsmedicover out last year just had a letter telling me due to escalating cost of claims we have had to make a price adjustments i could understand a few pounds but it;s gone up £10 just as someone predicted in a review i read. luckily my dog does not have an existing illness so i am in a position to look elsewhere but if you’ve budgeted the previous price into your household costs as i did, and your pet does have an existing illness then thats a big rise.
0 out of 10 – RUDE STAFF AND VERY UNREASONABLE SMALL PRINT
I have just had a claim turned down for submitting a claim more than 31 days after the event (it is in S 26 of the small print) – what a stupied reason to avoid paying. What would happen if you were in a car accident with your pet and you were both in hospital – high vet bills and not able to submit a claim. This company promise a lot but do not deliver – the £10,000 life time cover only exists if this company exist – its not the life time of your pet because if they stop trading, your cover stops – I would think about this before taking cover with a company that hides behind the small print to get out of paying claims. They cannot be trusted.
I can understand any company turning down a claim if what I had down altered the risk or changed the premiums – but being late with paperwork does neither. 31 days is not long enough and simply allows them to avoid paying a claim.
I think people need to be VERY careful about choosing their “for life” pet policies now. Halifax and Lloyds have left thousands in the lurch with pets who need cover for their lives.
If you have a chance to change to an established firm – like petplan – this may be the time.
Hi Steve, yes that’s not very good at all and actually I think it can be argued that it’s unfair and unreasonable. Again the only action you can take is to put in a formal complaint then escalate to the Ombudsman if required. You could also try and complain to the FSA.