KBIS or PetPlan?

AGray825

AGray825

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Just thoughts I'd look for other's opinions

Just about to look in to insuring both my two and wondered which other's would rate higher
I've had dealings with both in the past and in general have found KBIS to be 'nicer' and easier to deal with (paid out immediately when I lost my old boy to colic, sent out a lovely condolences card and were very happy to extend my single incident cover for experimental treatment at Cambridge with no fuss) as opposed to PetPlan (my mum's horse was with them and while they paid out alright for vet's fees, they refused to pay out when she had him PTS on vet's recommendation after he was diagnosed with Wobbler's as they claimed it wasn't on 'humane grounds' :rolleyes:)

KBIS are working out more expensive:
£47pm by DD
£3.5k 100% Vet Fee cover - Incident time scale = 15 months
£175 Excess
£500 Complementary Treatment
£250 Hospitalisation
£200 Disposal

compared to PetPlan
1 month £41 followed by 10 months £39 by DD
£5k 100% Vet Fee Cover - Incident time scale = 12 months ('Including specifically stated complementary treatments recommended by your vet')
£145 Excess
£200 Disposal


So with that PetPlan looks the more 'attractive' option, but I'm just wary over their treatment of my mum with her horse (i.e. she won't insure with them anymore after that)
I'm just not sure :(
Major love for any opinions please??
 
In the last 2 years I have had 2 claims with Petplan and they have been great. This experiences also tell me that £3.5k doesn't last long either. Luckily I haven't had to deal with a PTS situation so cant comment on that
 
Had a bad experience with KBIS, so Id have to say Petplan. Im with Scottish Equestrian now and they have been great. I think the best is NFU but sadly my premium was way more with them than the others.
 
AGray825 said:
Just thoughts I'd look for other's opinions

Just about to look in to insuring both my two and wondered which other's would rate higher
I've had dealings with both in the past and in general have found KBIS to be 'nicer' and easier to deal with (paid out immediately when I lost my old boy to colic, sent out a lovely condolences card and were very happy to extend my single incident cover for experimental treatment at Cambridge with no fuss) as opposed to PetPlan (my mum's horse was with them and while they paid out alright for vet's fees, they refused to pay out when she had him PTS on vet's recommendation after he was diagnosed with Wobbler's as they claimed it wasn't on 'humane grounds' :rolleyes:)

KBIS are working out more expensive:
£47pm by DD
£3.5k 100% Vet Fee cover - Incident time scale = 15 months
£175 Excess
£500 Complementary Treatment
£250 Hospitalisation
£200 Disposal

compared to PetPlan
1 month £41 followed by 10 months £39 by DD
£5k 100% Vet Fee Cover - Incident time scale = 12 months ('Including specifically stated complementary treatments recommended by your vet')
£145 Excess
£200 Disposal


So with that PetPlan looks the more 'attractive' option, but I'm just wary over their treatment of my mum with her horse (i.e. she won't insure with them anymore after that)
I'm just not sure :(
Major love for any opinions please??
Click to expand...
Neither of those
pet plan is expensive

Kbis too many hidden clause, one of which is if you continue treatment after the vets been and it goes wrong your not covered.

I prefer SEIB
 
KBIS have been fantastic on 4/5 claims we have made for them. Absolutely no quibble and paid very quickly (last one within 5 days of the horse being seen!). Longer treatment time (15 months) has been an absolute god send for us when a mysterious cough re-appeared after 12 months and required another £1000 odd worth of treatment. This is for my partners horse. Only down side is they are a bit more expensive.

I am with Petplan with my mare and they are £10 a month cheaperthan my partners horse with kbis. I claimed last year for a leg injury and they were a bit slow paying out, messed about with 'not recieving all of the documents' even though they were all on one email sent by my saint of a vet, but did get there in the end.

If I could afford the extra then my money would be with KBIS
 
SEIB are much much more expensive for my girl for the same sort of cover i.e. there's came out at over £800 premium (she's on the older side at 18yo so that's probably bumping up the premium, but she's still in full work so I want full cover for her for as long as I can get it!)
 
MuffettMischief said:
KBIS have been fantastic on 4/5 claims we have made for them. Absolutely no quibble and paid very quickly (last one within 5 days of the horse being seen!). Longer treatment time (15 months) has been an absolute god send for us when a mysterious cough re-appeared after 12 months and required another £1000 odd worth of treatment. This is for my partners horse. Only down side is they are a bit more expensive.

I am with Petplan with my mare and they are £10 a month cheaperthan my partners horse with kbis. I claimed last year for a leg injury and they were a bit slow paying out, messed about with 'not recieving all of the documents' even though they were all on one email sent by my saint of a vet, but did get there in the end.

If I could afford the extra then my money would be with KBIS
Click to expand...

Yes mum had a similar experience with PetPlan, had a massive argument about missing documents, at some point the accountant at the vets and the vet himself spoke to them and lo and behold the payment was made not long after. PetPlan claimed that the practice hadn't sent the correct paperwork, which had been rectified, but you just wonder how much that's the truth sometimes?
 
Not Petplan. Unless your favourite part of Little Britain was the "computer says no" woman. I ended up taking my case last year to the ombudsman, I won and they paid out but it dragged on for months and you should have seen the exclusions petplan gave my horse afterwards, completely ridiculous - I would have contested those too but I thought it easier just to cancel and start my own vet savings.
 
ILuvCowparsely said:
Neither of those
pet plan is expensive

Kbis too many hidden clause, one of which is if you continue treatment after the vets been and it goes wrong your not covered.

I prefer SEIB
Click to expand...

What do you mean about it going wrong after the vets been? I'm not sure I've experienced anything like that?
 
Not Petplan in a million years!!!!!
Will use every excuse under the sun to avoid paying out and then slap on exclusions with no justification. I have suffered personally from this and have a friend under in a totally different part of the country who has had no end of trouble with them. I caved in and never got paid. My friend was more tanacious and fought them and won but the added stress was appalling not to mention how much time it took.

I like NFU.
 
I am with NFU. I do think that in this day and age £3.5k vet cover is not sufficient but that does rather depend on your view on having your horse operated on for say colic.

In fairness to Pet Plan no insurance company will pay out unless the pts meets the BEVA guidelines which is very tightly defined.
 
I think most insurers would take the same line on the wobblers horse FWIW, I have a friend who was insured with KBIS who had the same experience. the criteria where they will pay out on welfare grounds are very strict (google BEVA guidelines for destruction)

I'm with KBIS, my retired horse had lots of claims which they paid up without quibble and I've found them easy to deal with. *Touch wood* haven't needed them again but I have both my working horses covered with them. I recently went back round the market comparing quotes for the younger horse and they came out on top for the level of cover that I wanted.
 
AGray825 said:
What do you mean about it going wrong after the vets been? I'm not sure I've experienced anything like that?
Click to expand...

When we were looking into changing from where we were we read all the small print on Kbis. They said if you continue treatment ie nursing care and it goes wrong Kbis wont pay up' Many other things in the small print they exclude most don't read all the exclusions but hubby did.
 
I can't comment on Petplan. However I was with KBIS for years. They were always pretty good and claims were easy, but they are very trigger happy when it comes to slapping exclusions on your policy if your horse so much as f@rts And they made a mortality claim nigh on impossible so I never followed it through. I took out my next policy on new horse with NFU and they are superb!
 
I took out insurance with KBIS last year for my horse. Just had this years premium come through and its gone up £150. There is a letter with the renewal stating this is due to having to pay out a lot of claims last year. I haven't made a claim though so why am I being penalised! I wont be renewing with them and now have to go through the ball ache of moving insurers that I went through last year again! argh!
 
I’ve done very well and had no issues with Petplan. Had two big pay outs for the same horse one for SI injury and some years later annular ligament surgery. Both were around the limit. I was really worried the latter would be excluded after various problems over the years but they paid out with no issues. On top of that not all fees are covered e.g. some parts of hospital stays and transport so £3500 is not sufficient imo. Colic surgery and aftercare would be way over that if you needed/ wanted it. The only issue I had were vets saying they’d sent the form and reports in and Petplan saying they’d not received it. This was eventually resolved after much too-ing and fro-ing.
 
Daughter is with Petplan and had no problem with them paying out. I used to be with Shearwater and they were always very helpful. They are brokers so will search around to get you the best deal. I only stopped insuring with them when horse got too old to make it worthwhile (too many exclusions)
 
I wish they would take a good look at raising the disposal costs, as having had to deal with one last week for a friend, she was devastated enough to have horse pts, but more so that the collector was £250 and the lady vet (friend needed horse sedated- as he was a prize tit for any man to get close to) cost was another £130 Inc vat.
Insurance covered £200 So she had to find another 180 on top which would have been more if vet had put horse down.
 
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