Author Topic: Pet Insurance  (Read 3318 times)

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Offline Scott_Manley

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Pet Insurance
« on: July 30, 2015, 07:52:07 AM »
HI

Pup (WCS) arrives Saturday and I wondered about pet insurance, is it best just to stick £20 a month in a pot or take out insurance? if so which company have you had good dealings with?
'A Devil in a cute costume'

Offline Ben's mum

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Re: Pet Insurance
« Reply #1 on: July 30, 2015, 07:58:21 AM »
Welcome to COL, looking forward to hearing about your pup.
If you look on the health section at the top there is an insurance board, which hopefully will help to answer your questions as people discus pros and cons of different companies  :lol2:
You can also search as that question has been asked before and debated, but I can't remember what the outcome was  :005:

Offline Mudmagnets

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Re: Pet Insurance
« Reply #2 on: July 30, 2015, 09:47:17 AM »
Only thing I would say is, if you put say £20 in a pot and your dog becomes ill enough to need specialist help, that amount, even saved up  for a year, I doubt would cover that cost. There is also liability to think of i.e. your dog causes a road accident..or injures someone.

Obviously at the end of the day it is down to personal choice, and if you do go ahead, the pet insurance market is very competitive, make sure you look at all the pro's and con's before committing yourself. Did you get free cover for the 1st month or so from the breeder, if so this will give you breathing space to consider your options.

Remembering Smudge 23/11/2006 - 3/8/2013, and Branston 30/8/14 - 28/10/22 both now at the Bridge.

Offline its.sme

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Re: Pet Insurance
« Reply #3 on: July 30, 2015, 05:07:46 PM »
You can always get just 3rd party insurance ?

I am very glad that I paid for lifetime insurance, my girl is covered for upto £7,000 per illness per year, I thought this would be plenty bit I have just put in a insurance claim for 4,200 and it's still going up !

Consider your options carefully as you don't really know how good your insurance is until you need it.

Offline PennyB

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Re: Pet Insurance
« Reply #4 on: July 30, 2015, 05:59:18 PM »
Only thing I would say is, if you put say £20 in a pot and your dog becomes ill enough to need specialist help, that amount, even saved up  for a year, I doubt would cover that cost. There is also liability to think of i.e. your dog causes a road accident..or injures someone.


My cat wasn't covered recently for an illness that sounded simple but as my vet couldn't catheterise him it was a case of put him to sleep there and then or take him to Langford in Bristol which I did - final bill there cost me 2800 + I had already 'spent' 600 at my own vets so quite a lot to find all at once (have been lucky in that Langford gave me a payment plan)
Friends of Hailey Park
Four Paws Animal Rescue (South Wales)

Cockers are just hooligans in cute clothing!

Offline BobnDot

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Re: Pet Insurance
« Reply #5 on: July 30, 2015, 07:22:05 PM »
Each of our cockers, one worker and one show strain, is on a £7,000 coverage lifetime policy. Vet fees, especially if specialist consultations are required, can be very high and easily reach several thousand pounds.

There are several large insurance companies out there and you'll really have to take your choice. As with most things each company has their good and bad points with horror stories and plaudits being seen for most of them according to each person's experience.

We've been with Animal Friends for the past five years now and find them to be reasonably priced and quick to pay out on claims but there are others with good reports as well.

Prices can vary widely according to your location but, as a guide, the total annual cost for our two is about £450 in north east Scotland.

Bob.

Offline PennyB

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Re: Pet Insurance
« Reply #6 on: July 30, 2015, 09:10:41 PM »
One thing to add is that insurance will also give you the benefit of seeking treatment your own vet may not be able to offer - its amazing how grateful you become at that point when you really need it and find you have choice.

I am with petplan and morethan (4 dogs & 6 cats) - I haven't bothered with a premium policy but I have ensured that they're both for life policies, which also makes a difference
Friends of Hailey Park
Four Paws Animal Rescue (South Wales)

Cockers are just hooligans in cute clothing!

Offline JennyBee

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Re: Pet Insurance
« Reply #7 on: July 30, 2015, 10:10:09 PM »
Brodie is insured (with PetPlan), and boy am I glad ph34r. We've certainly got our money's worth. It doesn't even need to be something serious for those bills to pile up. I must have claimed for thousands over the years to treat chronic ear infections (three appointments at a specialist alone were £1000). Another £1000 was claimed for a bout of pancreatitis.

And as has been said, if something big happens, those savings will very quickly be spent. Brodie was diagnosed with a very nasty and aggressive cancer in February, just before her seventh birthday. But her cancer was in the very early stages, and a four week course of radiotherapy means she has a good chance of living a good few years. In the four months after the tumour was found, her bill reached almost £7000; the radiotherapy alone was £4500. A lot of people would make the decision not to treat, and I was once in that camp, but the fact that she was insured meant I had the choice of deciding whether to put her through it. If she hadn't been insured, that decision would have been taken out of my hands. Now thanks to the insurance and radiotherapy she is hopefully cancer free (will find out next week) but she'll need ongoing scans from now on to make sure it doesn't return, and those will cost a few hundred £££ every three months.

I'm a massive fan of PetPlan, as although they are expensive, they are very, very good at paying out (I say that while crossing my fingers as they process that £7000 claim :lol2:). Be aware that they, like some other insurers, will ask for you to pay a percentage of every claim once your pet reaches a certain age.

                              x In memory of Barney x

Offline Archie bean

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Re: Pet Insurance
« Reply #8 on: July 30, 2015, 10:21:35 PM »
I do both. Archie has his own bank account (I opened it nearly 15 years ago for my first cocker who wasn't insured and continued to save into it). I use it for routine vet trips and anything minor that crops up. It also covers the insurance excess which I have set slightly high to keep the premium a little lower. With today's vet costs there is no way that it would cover major treatment so he has lifetime cover on top.