“ Ensure the health of your pet by purchasing pet insurance - covers the cost of treating an injury or illness. „
I had my cat, and his three brothers and sisters insured with Tesco pet insurance ( admin by Royal Sun Alliance ) and he had to go to the vets for treatment. There it was found that he had a growth on his pancreas, an enlarged liver and problems with his blood count and it was clear that regardless of what the vet did, operations etc he would not survive and the decision was to make him comfortable and end his pain.
My reward was that Tesco pet insurance consider that because the decision to put him to sleep was made they would not pay for this deducting the amount of euthanasia from the cheque even though this was part of the process and treatment. I found them uncaring and even contacting their chief executive hasn't even warranted a reply.
This is not about the money, it is about caring for our pets and from this day not one penny will be spent on any product or service from Tesco or any associated service. Other insurances will be cancelled, shopping will be carried out elswhere which totals around £10000 per annum. This is all they can expect but I do not think they will mind.
Our border collie, Finley was insured through Tesco Pet Insurance as we believed it to be sensible in case of vets fees or worse.
We bought the policy online and were paying in the region of £22 a month, which went up in the second year from £20. We didn't really pay much attention to this as we had, or thought we had, peace of mind. To be honest, after the first year, we couldn't be bothered to chase around to save a pound or two so left it to renew, automatically by Direct Debit.
Unfortunately, our dog was hit by a car and died 2 weeks ago. It was totally my fault for him not being on a lead at the time (take heed, I thought that nothing could go wrong on the only 20metres of quiet country lane on the entire walk).
The following day I called Tesco to let them know that our dog was dead and wanted to know what to do next. We were told all we could claim for was the value of what we paid for him if we had a receipt. A receipt for a dog we bought from a farm over 2 years ago. But then again that is the nature of insurance. I managed to get the farm to send a receipt and have now sent that off. The first person I spoke with at Tesco seemed uninterested and uncaring, despite me being quite upset down the phone. Standard call centre worker to be honest, probably deal with 100 of me a day. I called a second time to ask how I am fixed for cremation costs and holiday curtailment. This person I spoke with was giggling at something at her end and I felt as though she wasn't focused on me, the customer, at all. It turns out the policy did not cover me for either of my requests but it could have done had I paid extra. As far as I remember, I was paying £20 odd quid a month for the higher level of cover. Turns out I wasn't. That is my fault for not reading the paperwork and assuming everything is okay. I have just paid £175 for cremation costs and "consultation fee" from the vet. None of this is covered.
I can't feel that I was mis-sold this, by a longshot. But, the price I was paying barely covered a bean. I have to say that the buyer should do research where I didn't. I was due to be going to Glastonbury the following morning but was rather put off and I found out I wasn't covered for this. A lot of things in any policy you might take for granted but please make sure that you KNOW that you are covered.
My only "fault" with Tesco was their unsympathetic and unnattentive staff. I will never again insure with them for any policy. They have covered for what they said they will so I have to give them 3*.
When we rescued our cats - Honey and Rocky we decided to insure them as have seen too many friends having to stump up huge amounts for vet bills.
How did I find them?
I searched on money supermarket inputting my pets details and Tesco was the most competive quote. You can go direct from the Tesco website under "finance and insurance" or you can call them but you will get a cheaper quote online (supposedly 20% cheaper but who knows!)
What did I ensure?
Two cats, both moggies (but very gorgeous), one is 4 years old the other two. We picked the basic cover as they dont go out anywhere dangerous and are not old. They are both microchipped (makes the insurance much cheaper) and regularly vaccinated (again seems to make it cheaper) and have no underlying health conditions.
Range of policies
There was a good range of policies available -some specifically for older pets, others for working animals.
We currently pay £10 for both cats - there are huge discounts for "multi pet" insurance (kind of like a multi car insurance I guess!). This covers us for up to £5000 cover if there is an accident. This is on a "per claim basis" there is a limit of claims per year - I think that it is £14,000.
We are also covered for £1000 if they go missing. There is a £50 excess per claim.
We pay by direct debit, at 0% interest - I think that you can pay up front but since it is just as cheap not to why not pay monthely!
Sadly, recently our much loved Rocky went missing for a week, we put up posters and searched everywhere.
Luckily he returned to us (hurrah) but was injured and we had to take him to the vet. He was treated for his injuries and we were presented for a bill for £450. (Obviously we had to take him to the vet on a Sunday which is twice as expensive!)
We submitted a claim by telephone initially and then via our vet for both the £450 and the cost of the £100 search for him. We submitted receipts for all the expenses.
Tesco could not have been more helpful. The staff were lovely when we called them when he was missing - just explaining to us that we should keep all receipts and logging that he was missing. They even contacted the microchip registry for us to see if they had found him!
Within a week of our claim we received a cheque for £500 (£550 - £50)-.
Having heard all sorts of horror stories about pet insurance I was very happy and would not hesitate to recommend this company!
Tesco do ask you when your house and car insurance is due and then bombard you with letters offering their overpriced insurance.
I am sure that if your cat is long term sick it would be much harder to get money out of them than for an accident.
There are all sorts of exclusions for illness - such as "no pregnancy claims, no existing conditions" etc so do check the small print!
Also, the £50 excess was an expense we could have done without!
First class service and a full refund so can't complain and of course we got our little boy back and he has made a full recovery!
I have five dogs which we have accumulating over a number of years and seeing as I had Tesco Pet Insurance for the first one, just kept adding the successive dogs to the policy. That was fine until I had to use the policy for one of our dogs to have an xray which cost over £100. I claimed on the insurance policy which was easy enough as I could give all the details over the phone. The problem came in trying to chase Tesco to reimburse me for the cost of this procedure. We had claimed for £50 back from the policy after we had taken our excess of £60 off and had to wait about four weeks to be reimbursed. We were lucky as the amount we were claiming was not going to break the bank, but, had our situation been different or we had been claiming for a large amount, four weeks would have been a very long time to wait indeed.
I changed to Tesco Pet Insurance when MoreThan's premium for my cat, Jazz, became less competitive.
A bit of context - Jazz is a 2 year old domestic shorthair cat. He is neutered, fully vaccinated and microchipped. We have never made a claim for him under any insurance plan.
Quote and Application:
Obtaining a quote is easy enough. Just like many other insurance websites, you can get a quick no obligation quote online through Tesco's website. Tesco seems to be trying to dominate the market with almost everything these days, so their main website (www.tesco.com) is getting very crowded. You will find the Tesco's Pet Insurance under the tab "Finance & Insurance".
There is currently 20% discount on all quotes when purchased online.
The application form for the quote is very straightforward - asking very basic questions such as your general contact details, pet's name, age, purchase/donation price and details of whether your pet has been fully vaccinated and microchipped. I suspect that if you haven't had your pet fully vaccinated and microchipped the premium quote would higher for obvious reasons.
One thing I do find quite cheeky of Tesco is they ask you when your home insurance and car insurance is up for renewal - so they can spam you with quotes nearer the time, no doubt! I don't think you have the option of not telling them either - this gets a thumbs down from me.
You get your quote and you can go away and think about it, coming back letter to purchase the policy or purchase the policy then and there by a click of the mouse. Jazz's premium costs £7.24 each month.
I have noticed one difference between Tesco and MoreThan. With MoreThan I had the option of buying the premium for a whole year, paying up front. However, with Tesco, I didn't get that option - I could only pay through direct debit on a monthly basis. Maybe I'm paranoid, but I see this as a ploy to keep me longer than is necessary. I could be potentially paying the premium forever and forgetting to check for competitive quotes at the end of the year, so when joining, bear this in mind.
The added bonus of joining the Tesco Pet Insurance policy, of course, is added clubcard points. To be honest, I don't think this makes much of a difference to my pool of points but, as Tesco says, every little counts.
I've never made a claim so I don't know how good Tesco are when I do need to make a claim. In terms of ease of buying, very easy and in terms of competitive price, very competitive - in fact, it was the cheapest quote I could find from a company I recognised. However, without the option to purchase in one go and the added questions regarding other types of insurance, I've knocked Tesco Pet Insurance down to 3 stars.