“WARNING. I have two dogs aged two insured through this company. I have just received the policy renewal notifications and the premiums have increased by 25% per annum. This is for young dogs with absolutely no previous claims. Helpucover say they take into account the breed (the breed is unchanged), the location (we have not moved), vets fees (local vets have not increase fees by very much at all), claims history (no claims) etc. When I asked for more detailed information to justify the increase they say that they are not willing to provide any detailed justification, which to me says that they know such an increase cannot be justified. I wonder what the increase would have been had I made a claim in the previous year or if the dogs were not young dogs.”
“Beware of switching to Helpucover if your pet has ever needed a vet in the past. I switched, and was only given a list of excluded conditions more then two weeks AFTER the policy came into effect. When I rang about this I was told that data protection prevented them from accessing my cat's medical history before he was insured with them, even though I had given them permission - three times . Excluded conditions include things so minor we never claimed under the previous policy as they were under the excess. Even things like cat bites and a sprained paw are now excluded. I switched as I wanted a policy without all the extras I was previously paying for, and have ended up much worse off.”
“Be careful of their policy cover it says £4000 per year but this is limited to claims of £1000 maximum per condition per policy year.
Also they do not accept emailed/faxed claim forms, which in this day and age is frankly ridiculous!”
