“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.”
“Do not go with this insurance company, first sign of paying out and they didn't want to know stay away, I have had lots of insurances with different company's and I can honestly say, I would never reccomend this company to anybody.”
“I took cover out for my Weimaraner when she was a puppy. After 1 year I renewed the insurance, at which point the admin team made the mistake of cancelling the first years cover and taking out a second year on a separate cover.
When she needed cover for a blood test, the helpucover refused to cover the test and then proceed to add 4 conditions to her insurance policy! When I tried to explain the situation, I was fobbed off with rude staff.
Even after having a conversation with my vet, where she stated that the conditions they had put on her insurance policy were completely incorrect and they had misinterpreted everything which was stated in the vet records, they still refused to remove the conditions.
Please can I note that these 'conditions' stemmed from her biting her paw! She apparently has fore leg, hind leg and skin conditions!
These types of insurance companies put veterinary practice into very hard situations where vets don't like to write anything on their vets records because insurance companies hold this against you!
Please do not use this company; what comes across as being cheap at first glance is not! Cheap service is bad service!”
“I took out a lifetime comprehensive cover for my Cavalier KC Spaniel after a great deal of research believing HelpUcover offered good value. It is at best SHONKY. After contacting my vet for a medical history for my dog, the insurer provided a long list of exclusions to me, even for issues where no treatment was given as none was needed which had been discussed in passing and were on the notes of conversation. The renewal in the last days has increased the premium by a shocking 43% after no claims in the year (and this is on top of an increased premium during the year to take account of last year's Insurance Premium Tax - so no doubt my premium would increase again imminently. HelpUcover exemplify the worst of the insurance industry and I would suggest shop elsewhere. I have cancelled my policy with the surly and unhelpful customer service”
“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!”
“Very impressed with this company , took out sports insurance for my son, had to make claim which was so easy and payment was in the bank in 7 days. Well done highly recommended”
“Excellent service, no quibble when I had to make a claim, quick payment and straightforward dealings all round. my first choice for cover and I always recommend them to others.”
“Absolutely disgusted with this provider, made a claim when our cat got ill and they manipulated their policy terms to suit what they would pay out even though the vets were the one's prescribing the treatment.
I challenged the claim only to be greeted by very rude customer services guy who thought he was clever but only made himself look a prat.
If this pet insurance was the only provider left in the world, I would never go with them again.
I suggest anyone looking for cover avoid this company like the plague.”
