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Location: Dogsey and Worcestershire
Joined: May 2004
Posts: 49,483
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05-04-2008, 10:58 PM
AXA (recommendation)
I would like to recommend AXA Pet insurance.Millie was insured with them and I found they provided a very good service.
Unlike some insurance companies they cover for both accidental death and death through illness .
I found their monthly premium of £13 per month and excess of £50 per illness competitive and they paid the claim promptly.
Here is a brief discription of the cover provided.
Insurance cover can vary considerably from one company to another so I would say it is important to decide what you consider to be the priorities for your pet at the time of insurance and to asses them on a yearly basis.
Conditions
You must ensure that Your Pet has received the required vaccinations, failure to comply with this may jeopardise Your claim or cover – please refer to the General Conditions in the Policy Booklet for full details.
Features and Benefits
Section 1 Veterinary
- All reasonable costs for Treatment of Your Pet by a Vet up to £7,000 per period of insurance.
- All reasonable costs of Complementary Treatment carried out by a Vet or under the direction of a Vet up to £250 per Condition.
- All reasonable costs for behavioural problems carried out by a specialist under the direction of a Vet up to £250 per Condition.
- All reasonable costs of a clinical diet for Your Pet, up to £200 per Condition, as long as it is recommended by Your Vet in order to treat a Condition and is only available from Your Vet.
- All reasonable costs for Treatment of Your Pet by a Vet up to £1,000 per Condition whilst Your Pet is abroad under the Pet Travel Scheme. This cover is provided subject to a maximum of three trips per Period of Insurance and a maximum trip duration of 60 days.
- The cost of cremation up to £100 if Your Pet dies or is put to sleep by a Vet as a result of an accident or Illness covered by this Policy.
- Legal liability up to £2,000,000 if someone is injured or killed or their property is damaged as a result of an incident involving Your Pet.
- Up to £100 per week up to a maximum of £750 in total for boarding Your Pet at a licensed premises or the reasonable cost of paying someone to look after Your Pet if You or any member of Your family normally residing with You needs to go into hospital as an inpatient.
- The cost of local advertising up to £1,000 if Your Pet is lost or stolen.
- The cost of a suitable reward up to £250 if Your Pet is lost or stolen.
- The Purchase Price of Your Pet up to a maximum of £750 if it is stolen or goes missing.
- The Purchase Price of Your Pet up to a maximum of £1,000 if it dies or has to be put to sleep by a Vet following an accident or Illness.
- Any travel and accommodation expenses up to £3,000 that You cannot recover if You have to cancel or cut short Your holiday because Your Pet has gone missing, or is injured or shows Clinical Signs of any Illness while You are away or up to 7 days before You leave and needs immediate life saving surgery.
- Travel and accommodation expenses up to £150 that You incur if Your usual Vet recommends that another Vet treats Your Pet.
- Costs incurred up to a maximum of £500 following accidental damage to personal property that is not owned by You.
The following covers are provided if You take Your Pet abroad under the Pet Travel Scheme:
- Quarantine costs up to £2,000 per trip (maximum duration 60 days), with a maximum of three trips per Period of Insurance.
- Up to £250 towards the cost of a replacement Health Certificate should the original become lost during a Journey.
- The reasonable fees incurred in obtaining repeat tick and worm treatment if Your departure for the United Kingdom is delayed by Your Carrier.
- Emergency expenses abroad up to £500 per trip (maximum duration 60 days), with a maximum of three trips per Period of Insurance.
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Location: West Sussex
Joined: Dec 2005
Posts: 13,948
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05-04-2008, 11:57 PM
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Location: Dogsey and Worcestershire
Joined: May 2004
Posts: 49,483
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06-04-2008, 09:02 AM
Originally Posted by Vicki 
That looks like a really good policy, Mini. I'm currently with Tesco for £16.27pm for Mya and Lennon, but will look into Axa when renewal comes around. Thanks for the tip
it really does pay to read the small print.I had heard Tescos was a good all round insurance so originally insured Millie with Tescos. When the policy dcument arrived I noted this....
The purchase price of your pet as shown on your policy schedule, if it dies during a period of insurance following an accidental injury to the outside of its body.
- Unexpected or sudden death that cannot be proved to have arisen from an accidental injury to the outside of the pet's body
- Payment of more than you paid for your pet.
AXA (who I understand also underwrite Marks and Spencers but charge less if approached direct )do cover for death from illness.
As with many other companies they don't cover for 'life' over a certain age so if this is something you require it is worth checking (although as the dog gets older insuring for this can make the premiums very high).
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Location: Dogsey and Worcestershire
Joined: May 2004
Posts: 49,483
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19-06-2008, 10:53 PM
Originally Posted by Kazz
Well following your recommendation I have taken out Axa for Sal 5 year 7 month old SBT bitch.
Ta Min
I am paying more for Chloe than I did for Millie £16 a month but that is still less than the Pet Plan quote.I think it is a good idea to review pet insurance every year to make sure it still covers ones specific needs. As a pet gets older requirements can change. I think the first 18 months of a dogs life are probably the most hazardous, getting through puppy hood in one piece
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Location: Co. Durham, UK
Joined: Jan 2005
Posts: 11,213
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20-06-2008, 10:01 PM
Excellent products, but as I've said before be aware that their organisational skills leave a lot to be desired and they can quite literally leave you high and dry as a customer when things go wrong.
But then no one's perfect, eh?!
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Location: SW London
Joined: Sep 2008
Posts: 4,509
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15-02-2011, 10:20 PM
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