If your vet charges more, you might get less back from a claim than you expect. ", "... been trying to ring them on the 0800 number for THREE days now, on hold on hold on hold...", "Comprehensive cover. The leading source of independent pet insurance reviews. While the average cat or kitten might be bought for less than £50 – often they are free to a good home – pure-bred pedigree cats can have a value measured in the hundreds and even thousands of pounds, as can many dogs. and are considered as one condition—for example, if your pet has an ailment with one eye, then after 12 months NEITHER eye will be covered for that ailment. There policies are flexible so you can customise your cover to suit you and your pet. Direct Line provides more than 13,000 car insurance quotes daily. " One benefit of Direct Line policies is that they're relatively stripped back, which can help to lower the premium for pet owners who really just want vet health cover. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Some offers that appear on this website are from companies from which NimbleFins receives compensation. Find out what genuine customers have said about pet-insurance.co.uk. As a result the Trustpilot overall score isn't an indication of how their pet insurance performs specifically. Direct Line is owned by UKI. Before deciding upon a Direct Line policy, be aware that Third Party Liability for dogs does not come as standard but may be added to your policy for an additional fee(it's usually included as standard in the UK marketplace, so consumers might not be aware they need to add this). 1179980.) Get 3 months free, but there's no Lifetime plan. Direct Line Insurance is underwritten by UK Insurance Ltd.Â. Read our Business Insurance guides and learn where to compare quotes for UK small and medium businesses, as well as the self employed. But you'll pay a higher excess once your pet hits a certain age. Lifetime pet insurance, simplified Pet ownership can seem scary, but the insurance side of it shouldn’t be. NimbleFins is a research and data-driven personal finance site. Once the limit is reached that condition will no longer be covered. There policies are flexible so you can customise your cover to suit you and your pet. However, older pets (i.e., dogs aged 5 or 8 depending on breed, cats aged 10) are not eligible for new Lifetime policies and can only sign up for a Time Limited policy. While Direct Line has earned 4.2 stars out of 5 at Trustpilot, these reviews reflect a mix of all of their insurance products, from car to home to travel to pet. Direct Line is probably one of the best known and innovative UK Insurers. Read Direct Line pet insurance reviews and compare insurance providers on Compare by Review, the only comparison site that values quality over price. PetPlan Pet Insurance is the largest insurer of dogs and cats in the UK. Get a pet quote. Direct Line offers insurance for cats, dogs and horses - this review specifically looks at its cat and dog policies. We like that Agria is a specialist pet insurer with a long history. Despite the Direct Line pet insurance reviews not being the best, it is still one of the best ones to go for on the market and is ranked as one of the leading providers. I have now noticed that "Any claims that exceed the policy limit" are not covered. Due to this, many vets are accustomed to submitting claims on behalf of pet owners, which can save you a lot of hassle—plus you get a full 12 months to submit claims for reimbursement. The Direct Line email address for pet insurance claims is [email protected]@com, and their physical mailing address is Pet Claims, Leeds Processing Centre, 42 The Headrow, Leeds, LS1 8HZ. Use our reviews and guides to help you learn about insurance plans before you buy. Read review of Direct Line Pet Insurance Pet Insurance. Cover is for accident, injury and illness, and complementary treatments per condition. My Veterinary Surgeon and the view of the Drug manufacturer have been declined by a veterinary nurse at Direct Line!!! Cover for advertising or reward if your pet goes missing. Reviews that appear on this site are based on our own analysis and opinion, with a focus on product features and prices, not service. Read customer reviews for Direct Line Pet Insurance which provides all customers access to PawSquad offering live chat and video calls with UK vets 24/7. We've scoured through hundreds of reviews to see what real customers have to say. From 86 reviews. Direct Line Pet Insurance offers 2 types of customisable pet cover with multiple additional options available, and is underwritten by UK Insurance Ltd. Below you can see how insurance premiums can change with a higher excess. We produce in-depth research on all areas of personal finance, such as energy bills, pensions and budgeting. Once the policy limit is reached for each condition that condition is no longer covered by the policy and becomes a pre-existing condition. Compare the best pet dog insurance policies. Direct Line pet insurance has earned a remarkable 8.9 out of 10 stars from more than 2,000 customers at Reevo. Buy online and get 12 months for the price of 9. Independent Direct Line Pet Insurance Pet Insurance review at Which Way To Pay. 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In addition to the above mentioned features, Direct Line imposes certain "inner limits" that fall within the vet fee limits. Direct Line Pet Insurance Price Comparison, Direct Line Pet Insurance Policy Document, Essential (Time Limited) policies cover dental injury due to accident, but not illness; Advanced (Max Benefit) policies also cover dental injury due to accident, plus other tooth and gum disease cover up to £1,000, provided your pet has an annual dental exam and recommended treatments were carried out within three months. This review of Direct Line Pet Insurance policies by The Pet Insurance Guide published in March 2015. You pay this excess once for every new condition. Policies are subject to exclusions and conditions so please always consult the insurer's policy documents before you buy.Â, Pet Insurance Review compiles the latest Policy information and general company information from each insurers website with the information gathered on the date shown. We had no complaints about Petplan other than the fees went up quite a lot each year even without claims. Legal and General Pet Insurance offer 3 different levels of insurance for your dog. They don't sell Lifetime or Accident Only cover. ", "Price hikes following claims and pet turning 10 yrs old. Additionally, owners of older pets must contribute more towards vet bills, through the addition of a 20% copay. The Company receives compensation from the third parties (Partner Insurers) included on this site which includes payment for sales generated by users clicking through buttons on this Website to the insurers site and completing a purchase.Â, We display the insurers on the insurers listing page in order of their Ranking score. Real reviews from real people. United Kingdom United States of America Australia Canada Germany New Zealand Ireland India South Africa The World’s Price Comparison Website. They do not sell a Lifetime pet insurance plan. For further information about how the rating of 3.7 out of 5 was arrived at please see Direct Line Pet Insurance – How Good is it? According to the data, Direct Line prices seem to be roughly in line with the average cost of pet insurance in the UK market. They were ranked 11th of the 16 providers for whom 6 or more responses were received. We compared this insurer to other similar insurers so you can see which may be more suitable for you. As you can see in the table above, by claiming once per year a policyholder would be better off with the lower excess—the additional amount paid per claim through a higher excess more than offsets the savings achieved from a lower premium. Our price checks also showed that the Overseas Travel package added around £13 per year and the 5 in 1 package added around £110 per year to the young, crossbreed dog's insurance quote. We returned to Direct Line because their multi-car insurance made them competitive. They're able to charge lower premiums by having the pet owner pay a 10% copay in addition to the fixed excess (of £95 or £160 for dogs, £85 or £160 for cats). Who are Direct Line Travel Insurance . Ranked. The DLG is listed on the London Stock Exchange. Today, you can buy home, pet, travel, life, breakdown, landlord and business cover direct from us - online, or over the phone. Pet Insurance Reviews: TopConsumerReviews.com reviews and ranks the best Pet Insurance programs available today. Direct Line offers a wide range of financial products including home, car, travel and pet insurance. Direct Line offers pet insurance for dogs and cats. When my vet asked to speak to a vet at DL … Direct Line uses the review site Reevoo to collect customer feedback and its pet insurance scores 8.9 out of 10 based on over 1,800 reviews in November 2019. The Direct Line Group owns several well-known brands, including Churchill (of nodding-dog fame). Cover available from 8 weeks of age to 11 years (up to 6 years for some breeds of dogs).  Â, Be careful with claims limits disqualifications. With pet owners understandably wanting to make sure that they choose the best pet insurance company, Smart Money People is the place for independent MORE THAN pet insurance reviews. This ensures insurers with a more statistically valid review score appear ahead of those with only a few reviews.Â, We receive payment from advertisers to feature in emails we send to users who have opted in to receive offers from third parties. Direct Line's Advanced plans offer a Maximum Benefit per condition of £8,000. Following an incident on holiday, my car was damaged and needed to be repaired. Have a read through the Direct Line Pet Insurance reviews below and you’ll see many TopCashback members who bought a policy from them through us were clearly pleased with their experience. In that case, up to £110 towards out of hours fees would be covered. Here is a sample of customer comments so you can get an idea of a representative customer experience: "Never had to make a claim before until just recently and direct line made it so stress free and dealt directly with our vet leaving us to spend the time looking after our dog whilst she recovered. Dental treatment included in the £15,000 of vet fee cover. ", "3 lumps removed from pet and 3 lots of excess removed from claim". I made the error of switching from petplan to direct line to try and reduce my monthly premiums. No, Direct Line does not have Lifetime cover—their "Essential" plan is Time Limited and their "Advanced" plan is Maximum Benefit per Condition. Read our full disclosure here. There are multi pet discounts and you can submit claims online with Direct Line happy to deal with your vet direct. direct line insurance reviews here to give our own analysis and you get a direct. Tooth cleaning is considered routine maintenance and is not covered by pet insurance. Insurance as it is Meant to Work! WRITE A REVIEW ★★☆☆☆ 1.9 / 5. The site may not review or include all companies or all available products. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Agria plans offer some desirable features, such as dental, euthanasia and cremation/burial, plus congenital conditions are not specifically excluded from cover. We review the policies & find out what they include and how much they cost. Read unbiased reviews and ratings from our pet insurance customers. Pet Insurance Review are committed to publishing reviews which are the reviewer’s own opinions and experiences with their insurer. ", "My dog had a trauma to a tooth, Direct Line wouldn't pay out anything towards my £3,000 bill. Agria Pet Insurance offers comprehensive Lifetime plans for lower-than-average prices. It is common for pet insurance premiums to increase every year because pets need more health care as they get older. The cost for a young, healthy crossbreed dog is around £350 per year for a plan with £6,500 of vet cover and a £95 fixed excess + 10% copay; a British Shorthair with an £85 excess + 10% copay would cost around £325 for the same level of cover. They will not pay for your … Efficient and reliable service would highly recommend. Any house calls, out-of-hours calls or stays at the vet must be absolutely essential—and the vet must confirm that such action was necessary to prevent your pet’s condition from seriously worsening. There is no excess increase for older pets. The issue has been thrust into the public eye due to the custody battle between Ant McPartlin and Lisa Armstrong over their dog Hurley. (Root canals and crowns not covered. That is, they will pay a maximum amount for certain procedures or tests. As well as looking at how Direct Line's car insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too. Direct Line sells two types of accident & illness pet insurance: Time Limited and Maximum Benefit. £80 excess for vet fees for cats and £95 excess for vet fees for dogs. Here's how Direct Line scores in our latest survey: Members can log in, to read our scores and full policy analysis. Direct Line pet insurance is designed to cover unexpected vet bills and give you peace of mind. With pet owners understandably wanting to make sure that they choose the best pet insurnace company, Smart Money People is the place for independent Direct Line pet insurance reviews. Direct Line started selling car insurance from a single call centre in Croydon. For example, if your pet incurs £300 of vet bills for an ear infection at age 2, they still have £7,700 of vet cover left over to treat another ear infection, regardless of when it occurs—even years later. Pet insurance customer reviews Want to know how we stack up? While Direct Line has earned 4.2 stars out of 5 at Trustpilot, these reviews reflect a mix of all of their insurance products, from car to home to travel to pet. But prices will vary depending on the age and breed of your pet, as well as other factors. Direct Line has been a fantastic… Direct Line has been a fantastic insurer, nice response to me but their accident repairer are rubbish returning car back to you after 3 months full of dusty dirty stuffs, couldn't clean and valeting a repaired car and up till now my car tail gate still drip water into car booth. Unsurprisingly, the stripped-back, basic policies offer more "value" in terms of the vet cover for the premium paid because you're not paying for extras like 3rd party liability, overseas cover, death due to illness/accident, lost pet cover, holiday cancellation or boarding cover—think carefully about what type of cover is best for you and your pet as it's not worth saving a few quid is you don't have the cover you need. Direct Line cover dental injury on both of their plans, but only their "Advanced" plan covers dental illness (e.g., tooth decay, gum disease, etc.). Before you take the insurance read the policy line. While we use our best endeavours to be comprehensive and up to date with product info, prices and terms may change after we publish, so always check details with the provider. You will get a refund of any premium paid as long as no claims have been made. Independent review site Fairer Finance gave Direct Line pet insurance a customer experience score of 63% and a gold ribbon in autumn 2019. What’s more, it also offers a 12.5% discount for insuring more than one pet under a pet policy. How did customers rate Direct Line's car insurance? We strive to provide a wide array of offers, but our offers do not represent all available pet insurance companies or products.Â, All information displayed is summarised from the insurers’ sites and all indicative costs and policy limits are subject to exclusions and conditions. New research from Direct Line Pet Insurance 1 reveals 28,530 of 111,089 divorce cases in the last year involved custody of a pet, equating to some 90 disputes each day. Registered in England and Wales No. To better understand the value of Direct Line Pet Insurance you need to look at it in the context of other available options. For more information please see our Advertiser Disclosure. Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Direct Line offers two pet insurance policies: one Time Limited and one Maximum Benefit, offering £4,000 and £8,000 of cover, respectively. They have dealt with our no-fault claim swiftly and kept us informed when we might need to be involved in giving evidence. To see how Direct Line's car insurance compares to other policies check out our guide on the best and worst car insurance. Keep in mind that bilateral conditions are conditions that affect a body part of which your pet has two (e.g., ears, eyes, ligaments, etc.) Third Party Liability cover has a £250 excess. There are multi pet discounts and you can submit claims online with Direct Line happy to deal with your vet direct. Find out more: pet insurance explained; Does Direct Line offer the best pet insurance? Queried this insurance is direct line pet reviews we never had a direct line pet insurance review compiles the treatment arises during a vet. While some reviews may have been edited to comply with our terms of use, they do not represent the opinions of Pet Insurance Review or its employees. Pet owners can save 12.5% if they insure more than one pet on the same policy. Hydrotherapy and physiotherapy are subject to £35/session limits, max of 15 sessions. While a lower premium is certainly attractive, remember that you'll pay more towards vet fees (and Direct Line will pay less) if you opt for a higher excess. In December during the COVID-19 lock-down, instead of contacting my insurance, I'd received a letter stating legal action will be taken against me as Direct Line hadn't received their outlay payment from my insurance and due to it's my fault I'm held responsible to PAY UP. Direct Line arranged everything and as I had Hire Car on my policy, they paid for a replacement car whilst mine was being repaired. Bottom Line: If you're very price conscious, you'll probably find a lower premium and better value with Animal Friends plans with the option of Lifetime cover. What does Direct Line offer? Third Party Liability cover is available for dogs up to £2.5million. Here are the two Direct Line policies on offer: Pet owners can choose a fixed excess of £95 or £190 for dogs, or £80 or £160 for cats. 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