Kwality insurance

Re: Kwality insurance

Hannah Wynne Richards — Wed, 18 Jan 2012 12:07:35 GMT

I'm not sure if PDSA have a range of policies,but I'm almost sure 1 has a very low maximum-about £1500-not much use if I want to refer

Wynne

Re: Kwality insurance

Rob Loxley — Wed, 18 Jan 2012 08:46:01 GMT

[quote user="David Mills"]

Anyone experience of PDSA insurance?

[/quote]

No issues. As far as I'm aware it's just a BDML-run brand; it's only link to the PDSA being a small donation from the premium.

Re: Kwality insurance

David Mills — Wed, 18 Jan 2012 00:24:11 GMT

Anyone experience of PDSA insurance?

Re: Kwality insurance

Martin Atkinson — Tue, 17 Jan 2012 17:54:56 GMT

Not come across this one before but off a tangent I used to put Tesco down with E&L and Direct Line in the junk bin. However, having had several recent good direct claims experiences with them: no quibbles, very prompt payment - less than a week in one case and only 24 hours after they phoned to check if it was a continuation, they are now up in the top echelon with M&S and Pet Plan almost seeming to given the claimant the benefit of any doubt.

Re: Kwality insurance

Rob Loxley — Mon, 16 Jan 2012 18:02:46 GMT

[quote user="Hannah Wynne Richards"]veterinary surgeons are aware of it[/quote]

OK, well I wasn't; my apologies.

[quote user="Hannah Wynne Richards"]we can't tell owners thanks to an unnecessarily restrictive law[/quote]

Um, we can still advise on what to look for including covered items in a policy, just not give individual policy recommendations, unless I've got my reading of the FSA advice completely wrong. I'll certainly be flagging up to clients that they need to check any policy will cover a wider range of common conditions than this policy.

Re: Kwality insurance

Stephen Courtney — Mon, 16 Jan 2012 14:50:59 GMT

My client had a brand new puppy. She asked my opinion and i gave it. i gave general advice - regarding what I considered was a decent level of cover, and i advised her to double check on the wording with the insurance company - I could not believe that so many restrictions were being applied - literally nothing covered but a relatively short list of possibilities!

I advised her that a policy like that was, in my opinion, worthless. i stand by that opinion - I did not give specific advice regarding another policy but did give general advice on how to choose an insurance policy.

The interesting thing is, her monthly premium was about the same as a standard supermarket policy for 12 month cover.

I don't believe that the advice I gave was contrary to FSA regulations. Perhaps we are too frightened of bureaucrats to give sensible advice on insurance? That is a pity.

Re: Kwality insurance

Hannah Wynne Richards — Mon, 16 Jan 2012 14:38:20 GMT

The problem is veterinary surgeons are aware of it-we can't tell owners thanks to an unnecessarily restrictive law

Wynne

Re: Kwality insurance

Rob Loxley — Mon, 16 Jan 2012 13:44:20 GMT

My beef was more that they will insure a 6 month old dog, but even at that young, healthy age won't pay for any of the non-included problems. IMHO there are much better policies out there, and vets should be aware of such restrictive policies existing.

Re: Kwality insurance

Bob Russell — Mon, 16 Jan 2012 11:43:34 GMT

Perhaps I am misreading the policy document but as I read it the restrictions apply to the senior animal policies (presumably those taken out when the animal is already elderly). I also presume that animals insured earlier in life maintain the level of cover offered when the policy is first taken out.

If this is the case then the older pet policy offers some protection for those that otherwise would not be able to get it! Therefore not a cr*p policy but one with restrictions.

Would you insure a 12yo dog for the first time and offer to cover for arthritis? Would you insure a 14yo cat and provide cover for hyperthyroidism?

I was interested to see that the owner has to take the pet to a vet of the insurance companies choice if requested. Not sure if this is to confirm the diagnosis or for long-term care!

Re: Kwality insurance

Hannah Wynne Richards — Mon, 16 Jan 2012 10:03:31 GMT

They can't spell-and the policy seems on the same level

Wynne

Re: Kwality insurance

Stephen Courtney — Sat, 14 Jan 2012 23:32:32 GMT

I had a client come in with a new pup, and she had insured with these people. I read the cover note as she asked my opinion . i said it looked very restrictive, and wrote out a list of things for her to ask the insurer bluntly if they were covered. She was still in her 2 week cooling off period.

the insurance company said no, all that is covered is what is on the list. I told her to cancel, and she did. Now with Animal Friends Online, a company I have had no problems with.

Re: Kwality insurance

Rob Loxley — Sat, 14 Jan 2012 16:06:47 GMT

[quote user="CatherineBoden"]Why the difference?[/quote]

It's a crap policy, designed to have as many holes as a sieve, so IMHO I wouldn't spend the effort trying to understand it further

Re: Kwality insurance

CatherineThomas — Sat, 14 Jan 2012 10:41:34 GMT

For indoor cats it covers diabetes and asthma but for outdoor cats its covers endocrine system and cardiovascular and respiratory system. Why the difference?

But it does cover high-rise syndrome for both indoor and outdoor cats.

Re: Kwality insurance

Rob Loxley — Sat, 14 Jan 2012 00:33:56 GMT

It's a Pet Protect brand

Re: Kwality insurance

Evelyn Barbour-Hill — Sat, 14 Jan 2012 00:21:05 GMT

Re: Kwality insurance

Gerry Henry — Sat, 14 Jan 2012 00:15:42 GMT

Check the underwriter, it probably is E&L.