I'm mired in the hell of picking the right policy for my pup, and have read lots of threads on here. My dilemma is whether it's more sensible to go for an annual limit (ie £7000 per year, whatever happens) or a per condition limit (ie £7000 per condition, however many occur in a year, and however long it takes for the bills to mount up on one condition).
Obviously if lots of different things go wrong within a year, you're better off with a condition limit, but if your dog develops a lifelong condition like diabetes, you're better of with an annual limit, as £7k will get used up fairly fast.
I wonder if anyone has experience of this, and has found one policy type better than the other? I suspect it's a question of luck, according to what, if anything, goes wrong with your pet. Has anyone used up their condition limit and then not been able to get insurance cover for a chronic condition?
Also, I've done a spreadsheet for my own use, comparing 21 policies. Obviously the quotations vary according to location and circumstances (I was all hopeful about greenbee after reading threads on here, but their quotation for me is £30 per month
), but what it compares is excess levels, annual or per condition limits, 3rd party liability cover, amount paid in cases of death or loss, whether dentistry, complementary therapies etc are covered, and whether they refund part of your policy fees if your dog dies (not usually!). If anyone would like it, I'm happy to pass it on.
