“ Comprehensive insurance cover for your pets / www.directline.com/pet/. „
Takes a standard 3 weeks to process a claim, a period of time they seem to spend trying to find ways not to pay. They also make sure you get an annual significant increase in your premium.They have no interest in you or your pet so don't bother with them there are plenty of other providers out there
I have grew up with dogs all my life and my parents never had pet insurance for them. I witnessed them having to struggle to find the money when one of them needed life saving treatment.
Because of this when I got my own dog I decided to get the insurance for her, especially as she is a boxer and after researching them found they were prone to serious illnesses.
I researched many insurance companies and found Direct Line had the cover that we wanted for our dog and was also the cheapest out there that I could find at only £14.50 per month.
I filled in the form online which was nice and simple, paid my first instalment and instantly my dog was insured and I didn't need to worry.
9 months later and I was glad I had the insurance. My dog had managed to get into our medicine cupboard and eaten my partners tablets for his bad back. We rushed her to the vets and the first thing they asked was if we had insurance, as she was going to need a lot of treatment which would be expensive.
Once our dog was fine the vets gave us the bill and I rang direct line to inform them I needed to make a claim. The menu to get through the department was nice and easy with only 3-4 options and I wasn't on hold too long before I spoke to someone, only 2-3 minutes. The lady on the phone was professional and polite but also at the same time sounded concerned about our dog and asking us how she was now. This made it feel that little bit more personal. She told me the form would be sent out to me.
Sure enough two days later the form arrived. Again it was a nice simple form to fill in, just needing a few details about our dog and a signature from the vets.
Once the form was sent off the vets received the money a couple of weeks later.
I have to say the experience of setting up with direct line to making a form has been nice and easy and I would recommend these to all of my friends!
I took out insurance with direct line and every year it increased until we was paying £26.90 monthly - we only ever claimed for a small amount when my dog was diagnosed with a heart murmer.
In May he stopped eating and drinking and we had to rush him to the out of hours vets. He had to be put to sleep 2 days later as there was nothing they could do.
It took Direct Line 9 weeks to send a cheque
They have deducted £104 from the hospital fees as £35 is apparently reasonable per £24 hours - it doesnt state this in their policy but they said I was told this over the phone a few months earlier when I rang for a claim form for his heart murmer
Basically if you have insurance, you either have to watch your dog suffering and wait for the normal vets to open or expect to pay yourself.
Direct line didnt cover euthanasia either. I would never ever use them again
I have recently been toying with the idea of taking out pet insurance as it's one of those catch 22 situations where you stop to wonder if the worst should happen. Of course we all hope it doesn't but for peace of mind I decided to take the plunge. The insurance policy I chose was with direct line as it's a name which appears many times on television adverts and this along with the competitive price, made my mind up for me.
Thankfully having never done anything like this before, I was relieved to see that this would not be too much of a lengthy process. The application itself was fairly easy to do as the options and information was presented in a clear concise manner which meant that it was easy to navigate through. Of course they wanted some basic information including the type of dog, the health of the dog, the age, but I didn't feel like I was being bogged down in detail.
Once the process was complete, I then had to await confirmation that the agreement had been concluded which arrived in a timely manner. There are of course some things which insurance will not cover against including underlying pre existing health issues with the dog and vaccines. This is understandable as really the purpose of the insurance is to cover against anything which may be too costly to simply cover individually. Some of the features of the policy include covering against third party damage, along with useful features like covering you for the cost of your pet if you happen to lose it.
I have yet to and hopefully won't need to in the foreseeable future make a claim. However since the process so far has been very easy going without running into any problems, I don't anticipate these problems occurring should a claim be made. This is definitely an insurance provider I would recommend if you are looking for quick hassle free, comprehensive pet insurance.
We have used direct line to insure our german sheperd Roxy since she was a puppy initially we planned to pay for one year and see if she was going to need any long term treatment. As it turned out she has a skin complaint which flares up a few times a year, we have had alergy test done and they were inconclusive and she ended up having to go on regular steroids and antibiotics.
Direct line paid for the tests and treatment which is still on going and she is now seven years old so we have have allot of claims for this and other treatments most recently for pain in her back which she needed xrays for and more medicines. They have been great to deal with and send out forms which our vet fills in and receices payment from, we only paid exess on seperate claims for different treatments, so have only paid exess once for her skin condition which has had several years of treatment.
I would and have reccomenned them to anyone.
The cost adds up over the years if you dont use it but the peace of mind that if somthing should happen you can pay for it is well worth it.
We now insure two cats as well.
At the moment I do not have a pet of any sort but for a long time I had a cat, I got her when she was just a kitten and I adored her but like any animal including us humans, she got old and sadly passed away.
Keeping any animal can be costly and when they start to get old then it becomes a vey costly time with vet bills especially, that is why you should take out pet insurance and if I were you I would take it out with Direct Line.
When I took out my pet insurance with them I did so online and it could not have been easier, the website is very clear and simple to use and navigate. In order to avoid the dodgier people amongst us taking out a policy 24 hours or so before we know our animal is going to need an expensive trip to the vets, Direct Line have a 14 day waiting period after you take out your policy.
I took my policy out with a £50 excess which means that if the vet bill comes to £50 or less I pay it myself but if say for instance it was £150 then I would pay £50 and Direct Line would cover the other £100.
For this policy to cover 1 cat I paid £6.99 per month and this covered my cat up to £2500 in any 12 month period, Direct Line also cover having your pet looked after should you be taken into hospital or become too ill to look after it yourself.
This policy that I had also acted as a life insurance policy should the animal be involved in an accident and it also covered lots of other little bits and pieces too but as there are lots of different policies available you will need to check the small print of your particular policy to know exactly what you are and are not covered for.
When it comes to making claims it could not be any easier and as I had to make a few claims for vet bills towards the end of my cat's life I feel well equipped to comment on this.
I made several claims over two years which in total amounted to more than £700 but never did I have a problem obtaining one penny of my money from them, which at such a horrible time was exactly what I needed.
I have nothing but praise for the insurance service for pets offered by Direct Line and would be only too happy to recommend it to others, I am unsure of exactly what types of policies are available for different animals but as I say their website is very simple and straight forward so you will be able to check in a matter of minutes!
Took out Essential Cover online for a puppy, when i took out the policy nothing came up online saying that you couldnt make a claim within the first 14 days of taking out the policy, even thought they take you money straight away. Puppy broke leg, thinking all is well with direct line (CON Artists) and gets £1500 vet bill and £3,000 opperation bill.
Wont ever use them again, you dont take out car insurance and not covered the first 14 days so why with pet insurance..... absolute robbing barstewards....
We always used to use Pet Insurance for our cats and were loyal to Pet Plan, one of the leading Pet Insurance providers for many years. However following the death of our cat (at the time) and a visit to the vets with our dog, we decided to take out a pet insurance policy on our dog. Doing price and quality comparisons between Pet Plan and other Pet Insurance providers, soon made us realise we were paying well over the odds with Pet Plan, despite their excellent services.
In the end we decided to go with Direct Line for our preferred provider and this is our experience so far.
Getting started was easy as we already had a motor insurance with Direct Line and therefore knew the website address and logging on there it gives you all the information you could possibly need. I actually phoned through my application, as I do prefer to speak to a human on things like this in case I missed anything online. Various details were taken about our dog and us and literally a few minutes later Chloe was covered for all manner of illness/accidents and their comprehensive cover doesnt stop there.
Our monthly premium for this year is £9.41 per month to cover a Border Collie dog over 8 weeks old (they do not insure dogs under this age) under the Essential Policy cover. In essence his allows us to relax knowing we have cover for Chloe of up to £4,000 for each claim for a new condition for a twelve-month period. For instance if she were to be run over and broke her leg we would be allowed £4,000 worth of treatment, be that operations, medicine etc to mend her leg. Then if 6 months later she developed a heart condition and it was unrelated to the accident we would then be entitled to another £4,000 worth of treatment for that illness. This policy, much the same as any other Insurance Policy, attracts an excess figure of £65.00. This basically means that for every new claim we make we have to pay the vets bills up to the first £65.00 and anything over we can start claiming on the policy. This does seem a pretty high figure and we have been caught a few times when Chloe has needed treatment for something and the bill has come in around the £50-60 mark, meaning we have to pay the whole lot. This is frustrating when you think how much you pay over the year but they have to protect themselves from constant claims for small amounts I guess. There are also a lot of things they will not pay out for like dental treatment for example, unless it is external damage caused by an accident, but regular cleaning of teeth or vaccinations will not be covered. It is essential you read thoroughly the policy before committing yourself and make sure you are familiar with the covered liabilities.
Whilst we have opted for the Essential Policy, they also offer an Advanced Policy which comes in at £15.49 per month for a Border Collie, and while the excess is still the same the amount you are covered for jumps up to £6,000 and there is no time limit, so if you pet is suffering an illness that is taking two years or more to get better, you will be covered the whole time as long the bills dont go above £6,000.
In addition to the amount of cover we can use for illness/accident also included is a number of other benefits.
Direct Line will pay in the event of your pet dying in accidental conditions, for example if they are run over (could be very useful for cats!). You are asked to provide proof of the purchase cost though and for us this would not be relevant as she was dumped in a box by our car as a pup and cost us nothing. However this could prove useful if you had a very expensive pedigree dog or cat that you paid a fortune for. The same applies to if your animal has been lost, stolen or strayed. Relevant proof is again required in terms of either a crime number from the police if stolen, or receipts for advertising costs if they are lost. Again we have never used this service thankfully, as Chloe is very good when we are out and even if she could get out the garden on her own, shed be back by dinnertime!
You can also claim cover if you need to go into hospital yourself and there is no one to look after your animal. Direct Line will cover boarding fees up to £500, which would equate to around 6 weeks in hospital in our area. Similarly if your holiday has to be cancelled due to your pet being lost or needing life saving treatment 7 days before your departure date and they will pay costs up to £1000 for this. Thankfully we have no experience of this either!
Direct Line also has a third party liability cover of up to £1million, in case you are sued over something your dog has done. Could be useful in conjunction with the Legal Advice line they offer, which promises to speak in plain English!
They have a number of other services like an emergency vets helpline to aid you in finding a vet close to you in the middle of the night if you need it. And also they offer a pet bereavement counselling service, just in case you cant cope if your beloved animals have departed.
It may be beneficial to you to know that the policy you take out will not cover any pre-existing conditions so check things out with them first if your animal is already ill or has suffered an accident in the past which may affect them in the future for instance arthritis following a broken bone. It is always best to check you will get cover or not in those cases as it would a huge waste of money if you took out the policy and then could not claim a few years down the line.
Overall we have had a very positive experience with Direct Line Pet Insurance. The premiums do go up every year, although only by 80p or so, but if you start off applying online, you can earn yourself a 10% discount, with further discounts applying if you are an existing customer of Direct Line, which we were.
We have only had cause to use the service for a claim once, and this process was extremely easy and straightforward. As the procedure we needed the vet to do was sort of an emergency (Chloe cut her ear open on some barbed wire) we made an appointment with the vet and told them she was covered on insurance and they could do whatever was needed to get her better. She ended up having anaesthetic, shaving, stitches and medication and the bill soon mounted up to well over the £65 excess fee. In this instance we settled the bill ourselves direct with the vet and then made a claim through Direct Line for the refund of monies due. It was really simple and we actually completed most of it over the phone with the claims girl who was friendly and efficient. Once the forms came through we signed it and dropped it off with the vet as he needed to complete his side of the details and then he returned it to Direct Line for us. We had a refund cheque in a matter of days and the whole incident was tied up nicely. If you were having a planned operation for your pet you could make the arrangements directly between your vet and Direct Line to avoid any unnecessary lay out on your part, except the excess of course.
I would recommend Direct Line for Pet Insurance as they have not let us down in terms of policy procedure, efficiency and fulfilment of our needs in terms of Chloes insurance. We dont have our cat insured anymore but there are further discounts available if you have more than one pet insured with them.
Prior to having pet insurance one of our cats got run over and the bill was in excess of £400 a shock to the system to say the least and therefore I do highly recommend having insurance for your animals and Direct Line have proved to me they are well worthy of your custom.