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Review of E & L Horse Insurance

Submitted by C Irvine
Review Added: 27/10/2009 - Visitor Rating: 5.00 5.00 (1 votes)

Review Categories:
Pet Insurance

Customer Review Comments:

I have been with E&L for 3 years, and made 3 claims with them in that time. It took them 5 weeks to send me a form and even then, I had to phone them 3 times to chase it up.

I was forced to argue to get the first claim for colic covered (which they then exempted him from), and then again for a corn on his front foot. Each of these claims were eventually paid, but not without numerous telephone calls chasing them up, over a period of 10 months! Each time I called I was told that the payment was with the department and would be sent within 10 working days!

The last claim is one for a condition which has caused my horse to react badly to being ridden. E & L advised me to pay for exploratory treatment myself, and said if the tests reveal nothing, they won't pay. I cannot afford to pay for these  tests, so have no choice but to put my horse to sleep.

In all, I have experienced appalling customer 'service', arguements regarding policy cover, unreasonable periods of time to pay for claims and adding 'platinum' membership to my policy without my permission. Vets refuse to deal with this company, so if you use them, in spite of the negative reviews about them found all over the net, then be prepared to pay for the bills yourself and wait up to a year for reimbursement!

Good Points: None
Bad Points: Everything about them is appalling.
Customer Service Rating: 0/5
Value for Money Rating: 0/5
Overall Rating: Please Select
Made a Claim? Yes
Recommended? No

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I am horrified by the reviews I have been reading. My horse got taken ill in Nov 09 - He is still suffering now March 10 I put a claim in with E & L in Dec 09 they have just emailed repudiating liability saying I am in breach of my contract of insurance! I'm not in breach at all I have read the smallprint. I'm gutted I have a poorly horse & a fight on my hands with E & L.
Comment by Jussi Mills
Date: 16/3/2010

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The comments in this pet insurance review are the opinion of C Irvine and do not represent a positive or negative judgement by UK Insurance Index of the pet insurance company or policy reviewed. Whilst all comments are checked for compliance with our submission rules and guidelines we are unable to confirm any of the customer experiences documented. Please bear in mind that any negative reviews may be outnumbered by many more satisfied customers.
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