Henry has reached the ripe old age of 11!
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.
Any thoughts? Did your elderly dogs empty your bank account? How much are your premiums?
Insurance is such a minefield!