Originally Posted by c4rv:
“I'm pretty certain that halifax is a reputable company. The only unfortunate thing is they decided to pull out of the pet insurance market.
TBH, with the rise in better treatments available (along with higher vet bills) I can only see premiums getting more expensive and other companies pulling out of the market.”
Yes, reputable was probably not the right term, sorry.
It's just that Petplan
just deals with pet insurance so unless the whole company went into liquidation, my policies are safe with them.
Premiums with Petplan have always been higher than could be got elsewhere, I could have saved a lot of money over the years. I just like having peace of mind and need to be sure my policy will cover all eventualities. Lifelong cover is a lot more expensive too but offers greater security. I'm currently paying over £40/month for 3 cats and that's with special discounts because my last 2 are rescue cats from Cats Protection.
My vet told me that when I registered my 2 new cats - one was found to have chronically infected eyes - that some insurance companies would not pay if she had any future problems with her eyes even though when I insured her I was not aware of any such problems. She said there would be no problem with Petplan and their insurance forms were the easiest for vets to complete because they weren't looking for ways to avoid settling claims.
The first time I claimed from Petplan was when my late Tabitha was two and then again when she was four and I was impressed how quickly they settled the claims with minimum fuss and hassle. My Tabitha's most recent claim ended up being very complicated but, again, absolutely no stress and they paid out directly to my vet.
Insurance isn't worth much when, if you actually need to claim, the policy turns out to be worthless.