The Insurance Emporium

[MuffettMischief]

Had anyone had any dealings with the above? Looking to insure a 3rd horse and petplan who I already have two with, want an extortionate amount!
Thanks!
tried to use search function but it isn’t working

 

[criso]

E and L under a different name. I got a very cheap quote from them when I was comparing and when pressed the broker said it was E and L.

 

[itsokboah]

Would not trust as they are underwritten by E&L. My vet would not take customers insured by them!

 

[Dyllymoo]

Oh pants! I've insured with them... didn't realise it was E&L under a different name....

 

[ihatework]

I think you would want to go in that with a plan on how to cover the vets bills if they don’t pay out. E&L were notoriously difficult.

It might be a calculated risk worth taking, they are noticeably more competitive on price. But read the small print very carefully.

I had a cat (unknowingly) insured with them and actually had not a hint of a problem when I had to claim. I do wonder if they are trying to rebrand/reinvent themselves.

 

[criso]

They were very much cheaper, up to 40% than some. However with horse with previous incidents, there would have been a lot of scope to wriggle out of claims so I went for injury only with someone else in the end.

 

[Leo Walker]

Everytime they come up people say they have a bad rep, but everyone I know who has used them has had no issues, including a family member who got away with the most ridiculous claim for a clearly pre existing illness.

 

[skint1]

Have been with E&L brands of varying types for my horses over the last 5-6 years after being treated pretty shoddily by PetPlan (I felt anyway) so far, I have no complaints. They've settled my claims quickly and fairly (even when it hasn't gone my way) and my vet is happy to deal with them. I'd certainly consider them if I were you.

 

[willowblack]

I have been with E&L for years...they paid out for my horse to have stifle surgery, no questions asked and for one of my daughters ponies did a suspensory and they paid out for that too with no hesitation. Payments were slow and needed a push but other than that no complaints at all.

 

[MrsMozart]

My last horse was with E&L, as was a previous one.

They paid out both times. The first was some years ago and it was painful but less so than with one of the big named insurers, and the comparatively recent one they were very good indeed. Communicated well, put up with my tears and my general incompetence in getting documents to them, and overall were just very kind at what was, for me, a very bad time.