Hi, my Doodle pup has just had him 2nd jab done, so finally got around to looking into pet insurance. Am I right to have him listed as a crossbreed? Proberly a Dumb question but I'm new to all this. He was also given to me, I'm not sure I should list his asking price, or that he was a free dog
I think you'd be best to ring the company (companies) and check - I would have thought most would consider a Labradoodle a breed these days. Did he come with any papers?
As far as the price goes, they want to know how much it would cost to replace him (as if we could just replace them!), so some companies will say it's 0 because he was free, some will put the going rate for a doodle. Ring and ask - that way they can't weasle out of paying up should anything happen!
Incidentally, check that you're getting life cover - many companies only pay out on recurring illnesses for a set amount of time (usually a year). Life covers means you're covered for life.
No, he wouldn't have come with papers because he is a x breed and therefore ineligible for registration with Kc.
I would put him down as a x breed and would put whatever price you think you would have paid. But be aware some insurance co do not give the "market value" in the event of a claim, citing depreciating value! So you get less money the older your dog.
Whenever I've been involved in claims for purchase price (vet) you've had to provide proof, receipts etc. You can only claim the purchase price in the event of untimely death, not if he lives to a ripe old age. I don't think it's that relevant, the main things you need from insurance is third party protection and vet fees, and I'd definitely look for a "covered for life policy". I've seen too many people caught out by 12m cover for a condition that's then excluded.