Cocker Specific Discussion > Insurance

Older Dog Insurance

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dawn:
Henry has reached the ripe old age of 11!  :luv:

Apart from recently diagnosed PRA, and a few lumps, he is in the best of health. We have never made a claim. No sign yet of arthritis.

His insurance premiums has jumped to £77 per month, (£924 per year), £150 excess and 15% of any bill. It’s lifetime cover up to £3000. Not a great amount, but at his age, I’m not sure we would want to put him through any large procedures. My biggest worry is an accident due to his failing sight.

I was wondering wether to cancel his insurance. If we had a bill for £3000, after paying £924 premiums, £150 excess and 15%, it would only be worth £1,476. We would be paying the rest, £924 + £150 + £450 (15%).

 I thought of accident only cover, £13 per month,  and saving the rest. But an accident caused by his blindness wouldn’t be covered, as it’s a pre existing condition.  >:D

Any thoughts? Did your elderly dogs empty your bank account? How much are your premiums?

Insurance is such a minefield!

Robbie34:
It isn't worth continuing with an older dog.  I have cancelled the insurance for my two as it was becoming uneconomic to continue.  It was £90 per month last year so I guess it would have been over £100 per month, as Jamie will be nine this year.  I have never had a claim for Jamie and I hope he remains healthy.

vixen:
I too cancelled the insurance when my previous precious girls reached 12.  The cost of the premiums were just too high,  the cover was less  AND I had to make a contribution towards the vet’s bill.
I put my previous premium cost into a separate bank account and that paid for Marley’s thyroid medications and twice yearly blood costs and I had money left over.
With my new puppy, I am only going to pay insurance up to 5 years and as it is at low cost at the moment, put extra money into a bank account so it can build up until I stop the insurance altogether.
I have worked out that even if I just saved £50 a month for 5 years, I should have a pot of £3000.  I will keep adding to it each month too with the previous insurance premium amount.
Of course, it is always a gamble to go without insurance and you have to work out if you are willing to take the risk.  I knew that when I cancelled Marley and Stevie’s insurance at the age of 12 that I wasn’t going to put them through extensive invasive operations, not because I didn’t love them but because I loved them too much  :luv: :luv:

Jaysmumagain:
I too cancelled, Ollie was coming up to 14 and hubby and I felt we did not want further invasive test etc that needed sedation.

So far we have just his monthly meds which I are under a tenner per month and recently he had a urine infection which needed tests, the cost would not have reached the insurance threshold so what is the point, plus Ollie was 11 before we made or first claim.

I would certainly have a dog insured but felt the decision was right for us.

Ollie loves his vet and trotts off happily with her, and as long as I see him happy and content and as now wanting his tea I know I made the right decision.

Mudmagnets:
Yep same here. As they get older so the premiums and other costs were just going stupid.

Did you know that if you become a member of Dogs Trust (£12.50 pa for over 60's) your membership includes Third Party but not injury or health problems - Insurance. Just in case anyone is interested

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