Hi all, I had a quote from m&s pet insurance at 10.65 pm which i thought was pretty good for no excess, then got a quote from sainsburys at just under 10.00 pm but i think with sainsburys you do pay excess, am i right? am i better off to stick with m&s??

Hi bluesmum, we use tesco it is well under £10 pm and i dont think we payed excess- sorry i cant remember exact figures off top of my head! But i do remember being suprised at price! xx

Thanks lou, i did get a quote from them at nearly 15.00 every 1 else wants 20 odd :(

I believe Tesco has a 12 month limitation on conditions, which is why it is often so much less than other insurances. I too am searching for the right cover at the moment, and my final two were Sainsburys and M&S. I think I'm going to opt for M&S and drop the excess. Slightly better cover too.

Kat

Yes,Tescos have a 12 month claim limit and a maximum claim amount of £3,500 I think(or thats what it was a couple of years ago).We were with them when Archer had his Knee ops and we soon ran out of both money and time so now we insure with M&S...£6,000 and no time limit
Archer

The brokers who handle M&S also do the Sainsburys insurance! I know because they sent me the incorrect paperwork when I applied for M&S cover for Spice,they put it down to staff loading the wrong letterheads into the printer. I did eventually get it all sorted and she is insured through M&S now.
Jacqueline :)

Thanks guys, im sticking with m&s :)

Hey thats good to know.. my husband sorted it out over phone, i didnt know or he didnt choose to tell me about the limitations! Maybe i should change...?

I have the puppie  newfoundland on M&S, and Barbie but we were with Sainsbury's for the Dogue de Bordeaux which we still have but they do have a exess on that but more of less the same price for all comared with £15 to £26 quotes from most other insurers.

I have just had to put in a claim to M&S for the Tibetan Mastiff so will let you know how I get on

Lynn

As read from Sainsbury's leaflet:

Pet Under 9 years old excess £50 for claims under £1,000, £75 for claims over £1,000.
Pet Over 9 years old excess £50 or 15% of all claims.

PS.  I'm with Sainsbury's and have found them very good.  I changed to them when my dogs were 10 years old.  Many insurance companies will not take on dogs older than 8.