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Originally Posted by joglynne
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Thanks for the mention joglynne
We found this thread/forum after seeing a few visitor clicks from this URL today, so thought we'd drop by to see if we can offer any assistance.
Quote:
Originally Posted by joglynne
To be fair you can't compare Insurance charges unless you do so using a Like for Like comparison. So a Life Cover policy such as the one you quote by PetPlan costing £25 will always be under cut by any other insurance policy that restricts payout to a singe course of treatment with a lower total payout cover, or whose so called Life Time cover limits you to only ever being able to claim a set amount for a specific treatment and once you have used that amount you can never claim for that problem again.
A true life time cover will have a restriction on the amount you can claim per condition per year but you can keep claiming that amount every year as long as you pay the premiums.
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This is spot on, it's an unfair comparison to match up a lifelong policy against a standard policy, as the potential for pay outs on a lifelong policy is that much greater.
If you can afford a lifelong policy then this would be recommended as it gives you that extra peace of mind, we've actually put together a separate page of the lifelong policies on our site too:
http://comparepetcare.co.uk/lifelong-pet-insurance/
Hope that helps in some way, and good luck finding a suitable policy - it can be a real headache (the reason we started our site in the first place was frustration when trying to find our own pet insurance!)