E&L Pet Insurance - anyone else had problems?

[delta1956]

Hello,I know this thread is is a few years old but I am am having a real battle with E&L. Last year my dog damaged her left knee .I only hand bronze cover so I was out of pocket big time as they only covered her £500.00p per injury. I had to get her last three years medical report ..It took them 3months to pay this amount minus£150.admin.I had to stay with them when the renewal came up as no other pet insurances wouldnt cover her right back leg.So I upgraded to Gold cover and was told on the phone her right leg would be insured. Now her right knee on her back leg has now got cruciate problem. E&L are now weasling out as they say they sent a letter of exclusion out in november 2011. I never received it but have received many other letters etc and if I had I would not have continued with E&L as they are the worst pet insurer's I have ever come across and I have had dogs for fourty years. My dog need's the treatment and its totally disgusting that I have to have this additional stress of trying to get surgery for her and fight them to pay for it.If any one can help how to get this dispicable company to acknowlede what was agreed on the phone also on the policy I received does not refer or mention any exclusion to her knee ®. Please please

[delta1956]

Ypu must have been very lucky thats all I can say ;(((((

[delta1956]

Hello

I too am having a nightmare with this comapnay they really need to be scrutinised with a fine tooth comb as there tactics and customer care/support is diabolicle.

FSA is going to hear from on monday.

[delta1956]

Do try calling the financial services insurance ombudsman and let them know what has happened. They called E and L before they investigated and lo and behold the next day I had a call to say they would pay up after all.

It's worth fighting it anyway.

E and L are terrible insurers and I wouldn't touch them with a barge pole again.

Hello Leggy thank you I will definitely do that as they are just the most dispicable and obnoxious company.Sad the only reason I renewed the policy as the said they would cover my dogs other leg other wise I would never have renewed it with them.

Kind regards

Delta1956

[delta1956]

Hi guys.

Sorry to revive this old thread. I am horrified reading through your experiences but I am looking some advice in relation to E&L Insurance.

 

My Border Collie dog has been insured with E&L for almost 7 years and so far so good. I even made a hassle free claim 2 years ago when my dog jumped onto a stick open-mouthed and pierced his throat. Thankfully he made a full recovery and E&L paid up with no questions asked.

 

However, 4 weeks ago my dog suddenly started showing signs of discomfort. He was wimpering, having difficulty standing and oddly digging holes in the garden! I knew there was something wrong so I got him straight to out of hour vet hospital. To cut a long story short, he had somehow managed to steal and gorge himself on leftovers from a BBQ. Turns out his stomach had expanded so much with food and gas that it had twisted and was crushing his organs. The vet got him in for emergency surgery to empty his stomach contents, untwist it and attach it to his abdomen to prevent future twists. Thankfully he has made a remarkable recovery and is now back to full health. The vet bill was in excess of £2000 of which I paid £1000 on the morning after surgery in the hope I could claim this back and get the outstanding balance paid by E&L.

 

This is where I am having some issues. E&L are saying in order to process my claim they need to see evidence that my dog has had routine health checks every 12 months for the past 3 years (a clause they only added to my policy this year and which I hadn't noticed among the other terms and conditions). Unfortunately he has not had routine health checks every 12 months and as such I have no evidence.I have told E&L I dont think I can get this evidence as I am not sure if he has had routine health checks (I was deliberately being vague with them.) They are now asking for confirmation in writing that he has NOT had routine health checks and want me to send a copy of his vaccination card. Again, perhaps I have been ignorant but I was not aware my dog should have vaccinations every year and therefore I dont even have a vac card.

 

Sorry for rambling on a bit but my question is,if I admit in writing to them that my dog has not had routine health checks or vaccinations will my policy be void and as such not liable for a claim? Do I have a leg to stand on or can E&L legally not pay out? Does anyone have any advice as to how I should approach this? my dogs injury was in no way related to whether or not he had routine health checks or vaccinations so can they wiggle out on this technicality?

I am stressing as the vet bill has left me in financial straits and with a hefty balance still owing! Any help or advice would be greatly appreciated!

....yes this is clause they keep in the small print.they are the pits..I am sorry to hear of plight..check with your vet.maybe he gave your dog a health check prior to operation? I wouldn't recommend E&L to my worst enemy. Speak to the insurance ombudsman as well this always helps

[delta1956]

Check everything and then check again with E&L they seem to change the goal posts as and when they like.please speak with insurance ombudsman,they are are brilliant and very supportive and also aware of E&L practices. Good luck at least your dogs recovered or recovering well.