We’ve been with Coop Pet Insurance for years and had previously been very happy with them and their claims handling. However Coop pet insurance is now administered by Insurance Factory ltd.
There are a lot of negative reviews and feedback on this site and we have experienced and can agree with the views of many of their dissatisfied customers.
They were exceedingly slow (9.5 weeks after the visiting the vets) to assess and settle our claim. This almost certainly happens as a matter of policy whether deliberate or as a consequence of under resourcing it serves to keep monies in their bank. When finally they did settle it was only for £168 of the £431 the vets invoiced. In addition to £100 excess we were expecting they deducted a further £138 for out of hours consultation which exceeded their £100 limit and a further £25 for the admin charge. Whilst these exclusion are referred to in their policy document you have to search very hard to find them even when you know what you are looking for. The policy document extends to 55 pages and is clearly designed to obfuscate the detail through excessive verbosity. I routinely read business contracts of vastly higher value and don't ever recall having to flog through 55 pages. An insurance policy which only provides £100 of out of hours cover is not fit for purpose. Our own vet and most other local vets use a locum (Vets now) to provide out of hours cover and they in turn use agency staff, hence the high charges. I can also fully understand why vets are now making an additional charge for admin as dealing with companies like this one is very time consuming. Having complained they offered £50 for the delay in settling. We will just put this down to experience and move our 2 dogs to another provider. This is another example of a once good company that has sold out and is now trading on its past reputation in the misguided belief that they can milk a loyal customer base. Caveat emptor.
Reviewed on: 13th December 2023
