I know Many Pets had no treatment for 2yr clause with the pre-existing conditions policy, but seems ridiculous they think you can know prior vet history when the dog wasn't in your ownership when have no legal right to the info, potentially a dog could've gone through multiple owners/vets in that timeframe.
It seems to often happen that a new insurer seems great for first few years to build custom and then goes downhill, I wasn't sure if with Many Pets had a change of ownership with the rebranding as seems to have been problems since.
When changing insurers it's not only what you've claimed for but anything mentioned in the vet history/notes that underwriters look at on first claim when deciding if pre-existing and also tend to group so can end up more potential conditions uninsured. It's often still worth having some cover though.
It's a big gamble just saving to self fund as vet fees are so high now that you really need access to £7k+ but that can be wiped out and then potentially have something else crop up before had chance to replenish savings.
@JobsLot
Petplan have always paid my claims usually within week, some planned i went for pre-approval on quotes & probably had about £20k over 1 dogs lifetime. Vets & specialists were happy direct claim with PP so only ever had to pay excess upfront They also don't penalise individual for claims it's shared over group so could always put everything through without worrying it about it shooting up on renewal like had with previous insurer.
PP is more expensive but many other insurers try to offload higher risk i.e post big claims or older dogs by making premiums so high most cancel. People tend to think they'd not put an old dog through surgeries and forget just the maintenance for many common liveable conditions like arthritis, kidney, heart etc is expensive. My dogs medications alone cost more than the monthly premiums, i'd buy it online too as I'd pay 20% of the cost.