Just got my renewal documents from M&S and read through their new Premier offering! Well I'd already heard about the stupid condition about ringing a vet nurse helpline before going to out of hours vet, which had pretty much decided me that I won't stay with M&S. Some of the other conditions are completely ridiculous too for instance: prescription food which was previously covered to manage an illness, new cover quote:
'The cost of prescription food from you vet used to diagnose an illness IS covered' - BUT
'The cost of prescription food after a diagnosis has been made is NOT covered' eh?
Sill on prescription diets - excluded anyway are
'prescription foods to prevent the formation of bladder stones and crystals in urine' - wonder why? obviously because it is so common these days too many claims for it!!!
My premuim for Jasper has doubled and even though he has CRF and I've claimed from M&S I will not be renewing his insurance. Zeta is the only other cat I've got insured with M&S and I will not be renewing hers either. Both Jasper and Zeta are over 9 which means now the excess is £75
PLUS 20% of the rest of the cost of any treatment!!!
What is the point of pet insurance? They are all just in it for the money, they are playing on people's emotions, you might just as well save that same amount every month in a savings account, at least you won't be making any deductions or placing ridiculous conditions!
Rant over
