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A week ago I took out home insurance with More Than, after I said yes to the quote- the lady asked me if I wanted any other quotes on insurance- I said none are up for renewal yet- she said I'd menioned I have a dog- and did I want a quote on that- it won't do any harm? I said ok- I guess I can cancel with my exsisting insurer. The cover was the same as the cover I currently had- but the have a new service- a 24 hour call centre- to get free pet advice from a qualified vet/nurse. Also the cost was a few £'s cheaper per month, the excess was £70 which is standard on all pet insurance policies- for dogs.
I said- ok, I will take that cover, which is there top of the line one. I cancelled my direct debit with the current insurer...
A week on- no documents had arrived- I called them- and they told me they only send things out for pet insurance on the 2nd of the month. Sure enough- saturday the 3rd October 2009- I got my documents.
Whilst browsing through them- I noticed that the excess is not £70, it is 10% of the total bill from the vet, then £70 on top of that. This would mean- a proceedur costing £3,000 would cost me £370.
Is that good? NO! It is disgusting cover- since I got my lovely dog- 3 years ago, he has only had minor health problems- each one has cost near to £70, then there is the regular injections, de-fleaing, and de-worming.
If you work this out- this is for me in my research- the worst pet insurance on the market. I have cancelled with them- and will be re-instating my old insurance plan. I have asked them to play back the recording of the sales woman- lying to me about the excess- but I am sure- they will either cover up what went on- or somehow avoid the issue.
This insurance is not worth taking out- pets are expensive enough- and that is why we all buy pet insurance, I have been with M&S, churchill, and more than (the latter was 3 years ago-they have clearly changed their cover), and never did I have this type of excess. Also I just tried a quote with petplan- the level of cover was much lower- for £10 extra per month.
I had trouble with More Than when I made a claim a while back (theft from garden shed). I was told one thing over the phone and then something *totally* different when I rang back. I told them to check the tape, they then rang back and told a big fat lie about what they'd said making out that I was a liar. So unimpressed with their attitude.