Back in April I made a review of the Tesco Pet Insurance website and to be quite honest I didn’t find it compelling at all.
Pet Insurance Company
If you’re a pet insurance company you need to make sure that whoever visits your website will want to sign up for a pet insurance program with your company based on what they read on the website. After reading four hardly mentionable selling points I had to give them a hard time in the review.
Since April I’ve been hoping to hear from some of Tesco’s current or previous customers to find out what their experiences have been with the company and their pet insurance plans. But until recently I didn’t get much response which I find to be a sign of everybody being okay with the service and coverage they were getting.
Tesco Pet Insurance Coverage
It has been proven that people are ten times as likely to tell you when things are not going their way as supposed to when they are. But luckily I then got a response from Natalie that had a really poor experience with Tesco when trying to get them to cover the injuries that her dog had experienced.
Now there are always people that want things that they’re not entitled to get so even though I am sure that Natalie are in her perfect right to claim that Tesco is in fact scamming her I set out to find more people that were pleased or the opposite with what Tesco were providing them.
There are not that many complaints that I was able to find but I did find one on Yahoo answers. It didn’t talk as much about them not wanting to pay what the pet owners believe that they should be merely about how Tesco might use untrained staff to handle pet insurance claims which in return will make the process slow and ineffective.
As a pet owner wanted to settle the matter and have any vet or pet hospital bill refunded that can be really annoying and personally I find it to be highly unprofessional of Tesco. It is so easy to settle these things fast and it will always leave the customers with a great experience because most will expect it to take forever to settle these claims. If Tesco wanted to they could easily use it as a branding opportunity because people would tell their friends because they would be positively surprised.
If you have any experience with Tesco pet insurance please share it with the rest of us in the comments below.
Tesco Pet Insurance is not worth the paper it is written on. All problems of a particular type are batched up together irrespective of whether they are different ailments.
For instance, my dog injured its back in a fall. He was given anti biotics , x-rays and was hospitalised. Tesco paid out for this.
Two years later my dog a KCS was diagnosed with SM, a serious problem caused by liquid not reaching the spine due to an overlarge brain. He was in terrific pain and was rushed to the Vet. Subsequently we recieved a bill in excess of £800. Being insured I made a claim only to be told that it was rejected because we had already claimed for back pain to years earlier. The problems were totally unrelated. I also asked them if my dog had broken its front leg leg and then broke a different leg two years later would I be covered. They replied each claim (condition) was covered for a period of 12months. Any claim after this 12 month period for the same organ, ears , back, legs etc.. would be refused even it the diagnosis was something completely unrelated to the original claim. IS THIS RIGHT?
Tesco are refusing to pay our claim,under the pretence that our dog has a pre existing condition. Barney our lurcher has some pea sized lumps on his chest, whilst undergoing his annual “mot ” my wife mentioned these to our vet who examined them, duly carried out a simple test and diagnosed them as fatty lumps (lipoma ). These Lipoma do not cause the animal any problems and are totally benign.Some time later Barney developed a large mass in his right thigh, this worrying lump was subsequently removed at a specialist centre in Essex and diagnosed as a intermuscular lipoma. The point here is that Lipoma are not systemic they do not migrate around the body. Therefore having a lipoma does not cause lipoma to form elsewhere. An intermuscular lipoma is only found between the muscles of the thigh and is specific in nature so totally unconnected,Tesco say otherwise. I have provided Two Veterinary statements and a case study of ten dogs carried out in America to substantiate my claim. This is ongoing at the moment. Tesco do try to lump problems under a common heading and argue against medical proof to aviod meeting their obligations .I prepose to challenge them in court if necessary
I went with tesco because it was the best value for money. My six month old kitten had a paving slab fall on her and she broke her pelvis in 5 different places. I paid the excess to my vet of £50 and gave them the claim form from tesco. I then had no further dealings and they sorted it between themselves. By the time she went for her next check up the vets had been paid in full. I couldn’t fault them at a very distressing time.
Sarah,
Lets hope your cat has no further pelvic problemsr. You will then experience what we have experienced.
Oh my god this is terrible! I have just called Tesco Insurance as my cat is currently at the vet having treatment for blockage in his intestine. So if he eats something he shouldn’t again (and he has once before, this is the only time he has needed treatment as the other time I knew when I saw it in his litter tray) am I going to be unable to claim? He will eat anything! And can’t stop him when he is off galavanting now can I (and can hardly muzzle him).
I hope that you guys do work it out. After all isn’t this why we pay for insurance?
I’ve just received a phone call from Tesco to say that they aren’t paying out on our dog’s ear operation (£1200) as we claimed for an ear infection 2 years ago!! I explained that it can’t possibly be a related condition from 2 years ago otherwise the treatment would have been ongoing…I’m furious with them and if it’s not resolved will be taking it further and advising everyone to use another company!!
Our westie had a tumour, £800 operation paid by Tesco no problems at all.
Can’t fault them.
There is no problem with Tesco Pet Insurance with payment for a condition in the first 12 months. I am glad your dog is fine but I hope it doesn’t get anothor tumour after the 12 month period has expired. You may not be so complimentary then.
In a nutshell, if you do not keep all your pets vaccinations up to date, Tesco Pet Insurance will not pay out! They will say any treatment could be avoided and it will be their vet’s words against yours.
My vet said our cats problem had nothing to do with the vaccination being out of date and even filled in my claim forms……..go elsehwere or make sure the vaccinations are in date, simple as that!
Our labrador became suddenly very sick and following emergency surgery before Christmas and New Year had to be put to sleep. We had to pay £1,600 up front. So far I have heard nothing from Tesco. I called them at the end of Jan about our claim, but was told they were two months behind in processing claims. I could not speak to them during the period our dog was being treated because it was between Christmas and New Year. If there is any problem with them paying out, I will definitely take it further.
Further to my previous comments I would like to add that I have finaly beaten Tesco !! The F.S.O. at appeal agreed that Tesco added disclaimers that were not included in the terms and conditions, I have recieved full payment plus interest.
SO.. read your terms ect and also read the excuses carefully, put a format complaint to the fso and good luck !!