Marks and Spencer Pet Insurance bank.marksandspencer.com

We have insured our dogs with MnS for the past 8 to 9 years with no claims made for one dog, with a first claim now declined.

Now, I'll explain why MnS are in fact undertaking activity.

Their reason for declining covering our dog for dental work is because a vet entry in 2019 stated they observed some low grade plaque. We agreed we would explore preventative options, nothing more. The vet "did not stipulate they advised dental work, not that it was an emergency".

So, the bad bit which affects thousands of policy holders.

All vets discontinued any dental work, except emergency dental work, during a small world wide event known as Covid 19. Subsequently even if any works had been advised there was not way of having work undertaken.

However, MnS continued to take our premium for the same amount knowing that our policy covered dental work, and yet vets were unable to provide dental operations unless an emergency.

So MnS took money from thousands of people and yet did not adjust the premiums or notify policy holders they were paying but would not be covered.

I have been unable to get any response from MnS, but my advice would be for everyone to do what we've done and that is initiate contact with MnS with a view to gaining legal advice.

They are not in the habit of helping our pets, they purely want money.

We now have a dog in severe pain who needs 3 teeth removed and who will undoubtedly need recurrent help now with infections, jaw issues, systemic infections with a poor diet ands he cannot eat and with a reduced lifespan.

Well done MnS, but be prepared for a battle on your hands because I will not allow you to get away with fraud.

I hope others join and we make this national news.

My pet had a lifetime cover with Marks & Spencer Pet Insurance which is in association with Royal London Alliance. Do not take out insurance with this Company. When my dog got to 10 they doubled the excess to £200 per condition per claim also raising the insurance premiums to a high amount.

We never claimed anything because everything was always under the £200 excess.

My dog got arthritas and kidney disease which started in October of last year and we sadly lost him last week. I insurance was renewable every February

They took £800 off of the claim because it was over two separate years cover and deducted money because one condition the limit of claim was £249 not £350.

Please don't waste your money with these Companies they do not deserve your custom.

I have just cancelled my pet policy with Marks and Spencer.

They are refusing to pay my claim as they say it’s an existing condition which I totally dispute. This is only my 2nd claim in 7 years.

Policy was due for renewal in September , premium had gone from £554 to £919 based on the dogs age.

I

I've had my dog insured with M&S for 8 years and up untill recently have never had to claim.

I can't be bothered to go into the full details but...bottom line is...we pay £45 per month for our policy and we are now having to get a 0% credit card to fund a £2,690 operation for our little dog!

Needless to say...IM CANCELLING!

Disgusting!

Wouldn’t use another company. They have been amazing from start to the very sad end.

3 different claims over 6 years and paid out on all no complications. Even gave us the purchase price back when she sadly passed.

Quality service and very sensitive to us when we informed them she had gone.

Really shocked to see the other poor reviews on here. Would Always use again.

Just awful, avoid and take your business elsewhere. They don't pay out

I recently tried to claim for my cats treatment. It took four months to be told the claim wasn't covered by the policy. The customer service is awful and I have had to spend several hours on the phone followed up by several letters. Have cancelled my policy and would not advise anyone to go with them. Really, really disappointed.

Not a service I would expect from marks and spencer. Customer service awful. Avoid.

They will not cover costs of surgery if there is 3 different lumps to cut off

They will classify it as 3 different surgeries even if it was done during one quick visit.

I paid full amount of £700 costs

Why do I pay this insurance?

Absolutely disappointed

They are winners we are loosers

Avoid

Was with M&S Pet Insurance for two years, slight premium increase after year one which was to be expected however after year two it was increased by about 40% with no claims in the previous year, no change of address and no health concerns of the animals albeit one year older.

Found another provider, cheaper monthly premium within minutes.

Called M&S back and got the most rude customer service adviser who didnt even ask why we were leaving or want to do anything to resolve it. They got in a real mood when I asked 'dont you want to know why we are leaving' but no they didnt. Hope to get the opportunity to tale part in their survey!