Dog Insurance

[Bella & Poppy]

Hi,

After speaking with a fellow COLer the other day he mentioned that he pays a lot less than me for what seems to be a similar policey.

We are with petplan and have a lifetime policey with i think  7k cover - our premium for this is £30 a month (or £60 because we have 2).

What do you pay and who are you with?

Jon

[twiceover2]

We pay about £20 with John Lewis for 7k lifetime cover.

[elaine.e]

I'm with NFU and have lifetime cover for both dogs, £60 excess per claim, and can claim up to £4K for each and every condition every year (not £4K to cover everything each year) with no time limit on the number of years you can continue to claim for any condition/illness. I pay a total of £67 per month for the 2 dogs.

William costs about £45 per month. He's 8 and I claim about £200 per year for Optimmune Ointment and opthalmic check ups for Dry Eye, which is a lifelong condition. I had to pay the excess on the very first claim 3 years ago but haven't had to pay it in subsequent years. I've also claimed for other things over the years, around £2.5K in total, much of it when he had a MRI scan and physio and hydrotherapy when he was diagnosed with lumbosacral disc disease nearly 4 years ago. I couldn't change William from NFU even if I wanted to (which I don't) because nobody else will cover his pre-existing disc and eye conditions.

Louis costs £22 per month. He's 3 and so far I haven't had to claim anything for him.

Edited to add - Louis is entire and his premium would be cheaper if he was castrated.

[supergirl]

AXA insurance  - lifetime cover £7000 - have 4 dogs and pay on average £13 per dog.  Eldest dog is 5 years and none of the dogs have had any significant claims - only one dog has needed treatment for an eye trauma.

[Selwoc]

AXA here as well. Lifetime cover up to £7000, total for three dogs, £34 per month.
The cost of pet insurance does vary considerably, depending on where in the country that you live.

[Archie bean]

Axa here too. £11 a month for £7k lifetime cover. Mum just got a quote for little Jade at £10 a month.

[LinziS]

Axa here...£14 for Erin who is 7 and £9 for Tilly who is 1

[sharonmansfield]

I am with AXA too, £10.30 per dog each month for lifetime cover.
I was with Kennel Club (Agria) and it was over £30 per dog, it just got to the point where I could not afford to keep paying it. I have never tried to claim of AXA but Kennel Club in fairness were a very good company. I guess time will tell if I made a mistake by changing or not.

[Cockertime Blues]

We are with petplan and have a lifetime policey with i think  7k cover - our premium for this is £30 a month (or £60 because we have 2).

We are with Petplan, lifetime policy, 7k cover, costs us £44 something (not quite £45) for 2 dogs aged 3 and 7.

[SusieY]

We're with petplan and are paying £37.59 a month.  We've claimed £5000 in total the last 12 months for 3 separate and totally unrelated incidents - Jan 2012 emergency surgery for a blockage followed by 5 nights at Langland Animal Hospital Bristol £3000.  Our renewal was in May 2012 and it went up £2 a month.  In Sept Barney had a very bad stomach - vet thought he'd eaten a dead rat £400 and then in Oct he developed Uvetis and has been going to a specialist eye hospital in Leominster - just had a cheque for £1676. To date they've paid out promptly and without question each time.

[JennyBee]

We're with petplan and are paying £37.59 a month.  We've claimed £5000 in total the last 12 months for 3 separate and totally unrelated incidents - Jan 2012 emergency surgery for a blockage followed by 5 nights at Langland Animal Hospital Bristol £3000.  Our renewal was in May 2012 and it went up £2 a month.  In Sept Barney had a very bad stomach - vet thought he'd eaten a dead rat £400 and then in Oct he developed Uvetis and has been going to a specialist eye hospital in Leominster - just had a cheque for £1676. To date they've paid out promptly and without question each time.

I pay £40 a month for Brodie (aged four) with PetPlan and again have used it a lot in the last year (not quite £5000, thankfully, sounds like Barney had an even worse year than Brodie ) mainly for two separate conditions. One was persistent ear infections that took months to sort out and a few trips to an expensive specialist; another was for a pricy bout of pancreatitis that left her in the emergency vets over the weekend. I've put a lot of claims in over the years and never once been questioned. They even paid for the vet to take a few of her teeth out when she was a year old, which I believe other insurers can be fussy about.

They are very expensive though . Brodie will be five soon so we have a few years of price rises ahead of us.

[BobnDot]

Animal Friends, lifetime with a 7k limit per illness, £90 excess. £147 per annum for Milly which rose after a £700+ claim to £180 per annum at the last renewal.
Chaz started off a few months ago with Animal Friends on the same coverage at £190 per annum.
We've only had one claim which was queried for a pricing error by our vet (The total of the claim was £22 less than it should have been) but the revised claim was still paid within 7 days.
So, £370 pa, or just over £30/month for two dogs, one 3 years and one 7 months.

[JennyBee]

I saw this article yesterday but forgot about it, it may be of interest to the OP:


http://www.telegraph.co.uk/finance/personalfinance/insurance/pet/9796798/My-pet-insurance-premiums-rose-by-40pc.html

[SusieY]

Forgot to mention that Barney is nearly 4

[BobnDot]

Animal Friends, lifetime with a 7k limit per illness, £90 excess. £147 per annum for Milly which rose after a £700+ claim to £180 per annum at the last renewal.
Chaz started off a few months ago with Animal Friends on the same coverage at £190 per annum.
We've only had one claim which was queried for a pricing error by our vet (The total of the claim was £22 less than it should have been) but the revised claim was still paid within 7 days.
So, £370 pa, or just over £30/month for two dogs, one 3 years and one 7 months.

Just a quick update......

Milly's renewal has just come in. It was £180 last year and has risen by £10 to £190. We submitted a £60 claim a few months ago for a checkup on her eye condition which was a continuation of a previous £700+ claim so no further excess to pay. It was credited to our bank within a week.

Bob.