CockersOnline Forum

Cocker Specific Discussion => Health => Insurance => Topic started by: alfiedog on October 21, 2005, 11:54:19 AM

Title: Pet Insurance
Post by: alfiedog on October 21, 2005, 11:54:19 AM: Hi there I'm thinking of getting pet insurance for our cocker Alfie.Can anyone tell me a good one to take out.......

Not sure if this is in the right section so if not can a mod move it to the relevant section....
Title: Pet Insurance
Post by: John_n_Rach on October 21, 2005, 12:11:38 PM: We checked through loads recently and ended up going with Marks and Spencer as they offered very good cover at a reasonable cost (£10.56 a month)

Good luck
Title: Pet Insurance
Post by: denisec on October 21, 2005, 12:27:15 PM: We use More Than what I liked about it, was that you are insured for the lenght of your dogs illness/treatment some just insure you for a given lenght of time. It costs 9.99 a month.
Title: Pet Insurance
Post by: isla on October 21, 2005, 02:13:44 PM: I'm with More Than as well. If you buy on line you get the first three months free!!
Title: Pet Insurance
Post by: Tracey J on October 21, 2005, 02:25:47 PM: We're with M&S. Full cover for £8.70 for each dog. Haven't ever had to claim yet, but I've heard they're ok about it B) .
Title: Pet Insurance
Post by: debbie321 on October 21, 2005, 03:43:36 PM: I insured with Healthy Pets at £5.55 per month for their gold cover. Have a look at their website www.healthy-pets.co.uk to see their policy. Ben is only 3 1/2 months so not had to claim yet!
Title: Pet Insurance
Post by: JaneES on October 21, 2005, 03:46:33 PM: I have mine insured with Churchill. Both cockers for £18/month - full cover, £50 excess.
Title: Pet Insurance
Post by: scooby's mum on October 21, 2005, 04:44:00 PM: Quote
We use More Than what I liked about it, was that you are insured for the lenght of your dogs illness/treatment some just insure you for a given lenght of time. It costs 9.99 a month.
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We use More Than too and after Scooby's accident (in which we had only been insured for 2 weeks) they paid out the £2,000+ for his hospitalisation/treatment without a problem :)

Just make sure you take out a policy which covers you for continuous treatment. Most policies will pay out for the 1st year only :rolleyes:
Title: Pet Insurance
Post by: grahamturner on October 21, 2005, 05:30:09 PM: :D
Quote
We use More Than what I liked about it, was that you are insured for the lenght of your dogs illness/treatment some just insure you for a given lenght of time. It costs 9.99 a month.
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:D we have just insured our new puppy spice with more than and it has gone up to £10-99p a month from oct :(
Title: Pet Insurance
Post by: Sue H on October 21, 2005, 06:26:05 PM: We recently changed to M & S - if you go back through previously posted topics, you will find a discussion that I posted in the first half of September ...

Basically, look for lifetime cover (ie if your dog develops a complaint that will last longer than one twelve-month cover of your insurance, the Insurer will not disqualify that from the subsequent year's cover etc ... (ie if it should develop a condition in month 11 of your insurance, they will refuse to cover you when you want to renew your insurance..)

Happy hunting !!
Title: Pet Insurance
Post by: Scootysmum on October 21, 2005, 09:47:30 PM: I signed up with Sainsbury's Pet Insurance scheme for Scooter - very good cover (pay out up to 6.5K per treatment, lifetime cover - 15GBP per month).
Title: Pet Insurance
Post by: alfiedog on October 22, 2005, 08:33:18 AM: Decided to go for M & S , no excess and costs a little over £10 a month.........
Title: Pet Insurance
Post by: shonajoy on October 22, 2005, 06:54:32 PM: More than and m&s are both good, fast pay outs, but remember you want lifetime cover, check and recheck the small print, make sure it's not 12 month cover.
Title: Pet Insurance
Post by: John P on October 22, 2005, 07:06:51 PM: :D After scouring the market we went with M&S. Have had 1 claim so far and they were excellent! :D
Title: Pet Insurance
Post by: Cob-Web on October 22, 2005, 07:16:45 PM: Remember to check for any changes in T & C's each year, too :rolleyes:

We were with Direct Line for the first year of Molo's cover - then when they sent the renewal letter (stating it was automatic renewal unless notified :angry: ) the T & C's had changed significantly, and we would really have lost out :blink:

I shopped around, and am now with M & S, whic was a lower premium for better cover, and I'm waiting for our first claim to be processed :huh:
Title: Pet Insurance
Post by: Elisa on October 22, 2005, 07:31:59 PM: M&S here too. No excess. £10.65 per month. Claimed and they paid out within 2 weeks with no problems. :)
Title: Pet Insurance
Post by: Babylonian on October 23, 2005, 03:32:52 PM: We use M&S too but I would reccommend having a quick peek at www.moneysavingexpert.com - it's a brilliant site with lots of independent advice on all kinds of money related issues...
Title: Pet Insurance
Post by: LoveCatz on October 25, 2005, 01:32:00 PM: I'm with E & L (http://www.eandl.co.uk/). After all the problems I had with my car insurance with More Than that continued even after I said I didn't want to renew my policy I have vowed NEVER to touch them again.
Title: Pet Insurance
Post by: DIANNE32 on October 25, 2005, 01:38:47 PM: :P Ours is with Lloyds TSB and it £9.00 per month with £50 excess and they have paid out no problems with Baileys ear troubles which has been around £2000. We had only just taken out the policy when Bailey became ill. :)
Title: Pet Insurance
Post by: Sue H on October 28, 2005, 07:54:45 PM: There is a different thread which I started probably back in October ...

We changed over to M & S after I had done a lot of searching and cross-checking in the web ...

Make sure that they cover you for a lifetime condition for one thing; check any prior disclosures don't affect your level of cover; compare all the third party/vet bills stuff ...