Pet Insurance

(39 Posts)
JeeanieYuss Wed 23-Jan-13 22:34:25

Okay, so I know this isn't the right place so yes Iabu, but I need your help and I know there are a lot of dog lovers on MN.

So, I have a 7 month old Collie X boy, who I love dearly, I am currently looking to get lifetime insurance for him and I am just so confused by all the different policies, types, what it actually covers etc.. And obviously the most important thing (well in my eyes), who pays out easiest and fulfills there end of the bargain confused

I did do a search but the last pet insurance threads were from back in 2006, so again I'm sorry, but I know there is more traffic here and I want to get it sorted a.s.a.p as I've kept putting it off and putting it off again, I am the eternal procrastinator!!

So please 'Oh wise ones of MN' share your wisdom grin

willyoulistentome Fri 25-Jan-13 10:09:16

Petplan were always great when I made claim for my horse. Never a quibble on a claim. HOWEVER, each time I have claimed for a conditon ( rather than an injury) , it was excluded from the policy on the next renewal. I have ended up not bothering with vets fees insurance for her as there is very little left I can claim for.

Get a lifetime policy with petplan. The £7000 policy will easily cover the vast majority of things. I'm a vet and my dog's covered with petplan, I don't know any vets who would even look at a different company - the others will try anything not to pay out and have loads of get-out clauses in the small print.

stickyg Thu 24-Jan-13 16:45:40

Yep i would definitely check all your customers policies. I really wouldnt anyone to get caught out like we did.

The 12 months starts from when the vet first notices the condition. In our case, the vet noticed our dogs condition in jan 12 but said that it didnt need treatment just yet but would do in the future so they havent even paid out 12 months worth of fee's as my dog didnt need treatment until september 12.

Ah well, lesson learned for me ! xx

Bakingtins Thu 24-Jan-13 15:43:21

Sticky, I stand corrected, I checked the website and they do a "12 month essential" policy now. I guess they have given in to the competition from other companies. Caveat emptor, even with Petplan. Mental note not to accept ANY direct claims without seeing the policy documents.

stickyg Thu 24-Jan-13 15:19:34

baking tins ...after reading your post i went to check their website and they do 3 different policies and one of which is 12 months per illness, i took the policy our about 3 years ago so they must have done it for a while.

I assumed ( like an idiot ) that it was all lifetime they did and thats what i had...nope !

They have really pissed me off with this, my dog is only 8 so im hoping she has a few good years left but ill be skint ! xx

Bakingtins Thu 24-Jan-13 14:59:11

They must have changed their tune very recently then, they've always only offered lifetime cover, I've dealt with them for 14 yrs on behalf of clients. Lifetime cover only is their USP! (goes off to check website and call Vetline)

stickyg Thu 24-Jan-13 14:20:15

Baking tins ... petplan definitely told me that its a policy that covers illness for 12 months ! They recently paid out on a claim for the anal furuculosis and have now written to me that as of 23rd Jan 2013 they will exclude this condition as my vet first noticed it that time last year. Prior to that, they have been fab and just pay my vet direct. The policy is in my husbands name so i need to wait to friday to get him to call to swap it for a lifetime policy incase of any other condition that may occur.

We have been well and truley caught out with this and its shit. We just need to pay the presription charges and get her atopica from viovet which will cost £49 a week.

Its going to be tough but she needs her meds so we will just have to cut back on other things to get them xx

Housewifefromheaven ....tell me about it !!!

charlearose Thu 24-Jan-13 13:56:27

Message withdrawn at poster's request.

Bakingtins Thu 24-Jan-13 13:46:00

stick that doesn't make any sense - surely that's even more reason to choose lifetime cover and read the small print. I don't think Petplan do any policies that are not lifetime cover but there are a lot of companies trying to pinch a share of their good reputation. I'm a vet and have ever had any problems with Petplan - we're happy to claim direct from them, and I insure my own pets with them. They paid out £2000 for my cat to have a blood transfusion and intensive care at the university hospital, and pay out regularly for my elderly dog's meds.
See which companies your own vet won't direct claim from, that should give you an idea of who is likely to wriggle out of paying.
It prob doesn't apply to the OP but the absolute minimum cover you need for a dog is third party, which you can get very cheaply from Dogs Trust. You are legally liable for your dog's behaviour, the incident mentioned up thread where a dog ran into the road could cost you thousands if the driver claimed against you, never mind the vet bills...

HousewifeFromHeaven Thu 24-Jan-13 13:28:57

stick ouch - for you and your dog!

Butkin Thu 24-Jan-13 13:23:46

We've been with Tescos and they have been great. We've had a few sizeable claims with our Shiba - especially when he slipped his tendon and had to go to Cambridge Vet Hospital for an op (2,000-3,000 pounds). They have always paid out promptly with no fuss although the premiums have crept up.

We've always gone for insurance which included 3rd party liability in case he ran in front of a car etc as well.

I'm also with Animal Friends for my 15 year old cat. Hell of a lot cheaper than Petplan for a much better policy but to be fair I've never had to claim off either.

stickyg Thu 24-Jan-13 13:17:45

Please look out for some policies that arent a lifetime cover. I took out what i thought was a lifetime cover with bloody Petplan and i found out 2 days ago that apparantly it only covers an illness for 12 months ( what the hell use is that ?? ) and the 12 months was up on 23rd Jan sad

My dog has a condition called anal furucolosis which she will have for life and Petplan will no longer cover it so im left with paying out £49 a week for drugs for her plus precription charges.

I'll be changing her policy over the next day or so to a lifetime.

Good luck

Lifeisontheup Thu 24-Jan-13 13:11:56

We were insured with Direct line and they've always paid out quickly. At our old vet they would send the bills to the insurance company who would then pay directly, we only had to pay the excess.
Our current vet, we have to pay and then take the form into them and they send it to the insurer with copies of the bills.

HousewifeFromHeaven Thu 24-Jan-13 12:54:44

I have the £7000 because my dog is a pug, and although a long lived breed is prone to problems.

TheCatIsEatingIt Thu 24-Jan-13 09:13:10

I'm with Animal Friends - the Cats' Protection League gave me a leaflet along with the cat. It seems like the same sort of cover as petplan but cheaper. I've never had to claim, though, touch wood.

miggy Thu 24-Jan-13 08:05:56

Id pay the extra £2 and get 7000 cover, have regularly seen people exceeding insurance limits once dog is referred to a specialist centre.
Animal friends is a good payer, and they donate a lot to charity, might be worth a look.

crashdoll Thu 24-Jan-13 07:54:10

I went with pet plan for my toy poodle pup upon the advice of my vet. Biggest mistake. As a new dog owner, I thought £33 a month wasn't that bad. 4 years later, he has a knee condition, so if I ever changed policies, it would be excluded as pre-existing condition and also, I pay £46 a month. They've been a right PITA too, taking months to send me a cheque for £2000 after my dog had a knee operation.

Dawndonna Thu 24-Jan-13 07:22:10

Check out what sort of illnesses your dog is likely to get. We went for the £7000 because we knew ours were prone to ear and heart problems. So far, in the last year, he has had four operations and seen a specialist. We have spent, well the insurance has spent, almost 7,000!
Fortunately, his problems seem to have been cleared.

dangly131 Thu 24-Jan-13 06:59:37

I have mine insured with co-operative, not sure if they do a lifetime cover or not. Mine is £11 per month and covers for £4000 in one year for illness/injury. My dog had to be treated least year which came to £500 and they paid up without any bother. My excess is £75 and my new premiums only went up by 50p after the claim.

Chopstheduck Thu 24-Jan-13 06:52:13

I don't have dogs, I had rabbits, but I was advised to get a lifetime policy rather than a yearly one. If your pet develops a reoccurring conditions (e.g. diabetes) a lifetime policy would continue to cover that, providing you renew it each year. A yearly policy wouldn't cover pre existing conditions, so if your dog develops something like diabetes, once you get the next policy it won't be covered.

TheNebulousBoojum Thu 24-Jan-13 06:44:54

Petplan in my opinion too. Operations, medication and tests have all been paid out for with no problems.

musicmadness Thu 24-Jan-13 02:22:38

You're unlikely to need £7000 a year unless your dog gets ill with something that requires constant medication. My dog is on medication that would be costing around £6000 a year total if not for his insurance (thankfully we had lifetime cover), but the vet said we were basically very unlucky that he fell ill with something that required such expensive treatment. For the vast majority of things £4000 will be fine.

Petplan are really good, they pay the vets directly so I only have to pay the excess and there has never been a problem with them (have been dealing with them regularly for almost 4 years now). I'd definitely recommend them smile

JeeanieYuss Thu 24-Jan-13 00:27:49

This is for the classic for life for £4000 a year or I could choose the £22.19 plan (still classic plan) and be covered for £7000..

Would I need £7000?

Sorry for all the Q's ...

JeeanieYuss Thu 24-Jan-13 00:23:23

That's with Petplan, quite a reasonable quote I think? But do the the other bits look okay?

By the way my dog isn't called Kipper really grin

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