Do you have insurance for your dog?

(58 Posts)
ihatethecold Thu 02-May-13 13:48:41

My free 4 weeks are nearly up and I'm looking at quotes for my puppy.

Petplan is very expensive, coming in at 31 per month,

Have found a more affordable one at 15 per month but this is not whole life, but seems to have most bases covered.

What type if any do you have.

Thanks, there is so many options that I'm quite confused.

Lonecatwithkitten Sun 14-Jul-13 08:49:57

Having just spent a large part of the last three days sorting an insurance claim for a client I also wanted to say that 90% of insurance claims for pets are for chronic health conditions not covered by accident only policies. The one I have been wrangling with has 5 chronic health conditions so far this year the insurance has paid out over £7500 and we have another 5 months to go. I only don't have insurance as I am the vet who owns the business otherwise I would have fewer pets and pet plan insurance.

ParaJack Sun 14-Jul-13 04:15:09

It's OK saying put the money to one side and don't pay insurance, BUT be aware!!! the simplest things can turn into a nightmare!

We had a German Short-haired Pointer who at 2 decided it would be fun to eat a sock! The sock got stuck inside her and she had to have an operation! It was meant to be a simple one but complications came up and things went crazy, she needed all sorts of emergency operations and blood transfusion, blood test, antibiotics etc. etc....after two weeks in the small animal hospital the bill came to £5800!!! That was 11 years back and prices for vet fees have only gone up since then! (We didn't pay out anywhere near £5800 to insure her before we claimed!).

I've been using Sainsburys for my last two dogs and never had a problem with a claim and they pay the vet direct.

But TBH if I was to get another dog I'd go with petplan, granted it's not the cheapest, but from what I've heard off others and read on the net they are good and don't try to get out of paying like some other companies do!
I was talking to a guy a while back and his German Shepard needed to go on heart tablet for the rest of it's life at a cost of £60 per month, petplan will be covering that for the rest of the dogs life as long as they keep their monthly payments up! (which were less than £60).

The breed of the dog makes a big difference to your quote, a Parson Russel is about £20 per month to insure where a Bulldog of the same age is about £60!

At the end of the day the feeling of saying to the vet "Don't worry about the cost, the dog is insured" is priceless! £30 per month or maybe £5000 in one go...which is better?

This makes good reading: www.dailymail.co.uk/news/article-2354214/Vicky-Hughes-sold-clothes-eBay-save-dog-pet-insurers-refused-pay-up.html

GemmaTeller Thu 13-Jun-13 07:37:14

We use tesco and pay £38 a month for two boxers.

Had two claims with them and no problems (first claim was within 2 weeks of taking out insurance and they never queried).

lainiekazan Thu 13-Jun-13 07:23:45

Our vets won't accept Animal Friends insurance - they said that they try to wriggle out of paying for anything.

Sue1968 Tue 11-Jun-13 21:20:54

Something to add to this. I have two dogs insured with Animal Friends. The policy started cheaply but have gone up a lot as my dog has got older (its up to £27 a month for the oldest dog). Also, my partner & I have had massive problems with a claim where Animal Friends have put up a lots of obstacles and tried not to pay out as they said we submited the receipts after 90 days from the start of claim even though we ad to wait for treatment to end (if anybody is interested in the details, you can read about it on insurancecompanyreview.co.uk/insurancereviews/animal-friends/ 3rd one down). Anyway, sharing this in hope it helps other people looking at dog insurance.

marciaoverstrand Mon 06-May-13 10:11:02

We are with directline, just putting through a £900 claim at the moment as dog decided a fishing hook would be a tasty snack!
We had to put it on our credit card, no mention of vet getting money straight from them?
I pay £25 pm for 2 small cross breed dogs.

ihatethecold Mon 06-May-13 09:44:48

ok. thanks for all the advice,

Is there any insurance companies that you would definately avoid?

atrcts Sun 05-May-13 10:08:31

The only thing I found with lifetime cover was that t started out a reasonable price and then the annual fee varied, so when my dog was 10 she was charged about £500 for annual cover. So I didn't bother, I just put the £500 into a savings account and felt smug at the end of the year when I hadn't used any of it! It is risky of course, as broken bones for example cost thousands, but i was willing to take the risk and it paid off.

landrover Sun 05-May-13 10:03:38

After a lot of thought we decided to pay it this year (prob for the last time though). You just worry about heart problems meds ops etc, its a difficult decision though x

ihatethecold Sun 05-May-13 08:04:20

Are you actually paying that then ?

Jeez that's a scary amount of money

landrover Sat 04-May-13 23:05:32

Alright you lot, are you ready? my dogs pet insurance now £166 per month!!!!!!!! Ahhhhh!! I can't think about it!!!!
Its sainsburys and they have been brilliant though!!! It wasnt so bad till he reached 7 (veteran), but now he is 8 and a half and a newfoundland!!! everything goes by weight so meds cost a lot more!!

astheworldfallsdown Sat 04-May-13 01:21:30

Mine are uninsurable (mix of advanced age and pre-existing conditions!), so I have a savings account for them. And a lovely vet who doesn't get the arm in, which helps too.

As long as you have some form of 3rd party cover from your household insurance it should be ok. If someone perceives threat from your dog they can claim from you and it won't be cheap!

Ponyofdoom Fri 03-May-13 21:59:19

I don't insure mine, I find its cheaper to save into an account and pay out if anything is needed. Also with insurance you just end up with lots of exclusions. I have just paid out £800 for my old dog to have an op but that's still cheaper than having insured her for 12 years! When my other dog escaped and caused a car accident my household cover paid up. Best to check though to make sure, I think most household cover with contents would though?

HotPanda Fri 03-May-13 13:04:58

Mine is insured with Direct Line. We went with a lifetime policy, and I am glad we did as at 7 months he was terribly ill and they paid out the massive fees no quibble direct to the vet.

It does mean that 5 years on we are paying £35 per month for the little fuzzball but it is worth it to me to know the condition is covered.

On the other side, my Mums very elderly dog has now had most conditions going it seems and her insurance will no longer pay out so she has cancelled it and is putting the money aside to cover the fees.
Sadly he is on his last legs - they have already refused him an op so if he gets anything that cannot be managed by medication then decisions will have to be made.

ihatethecold Fri 03-May-13 12:03:18

Really?
My vet is about 85 and deaf as a door post.

I might get my DH to speak to him about that then

Have got a better price with direct line,13 per month

John Lewis were as exp as petplan.

bunnylion - very good point as some vets refuse to claim the money from certain companies and make you pay it and claim it.

Bunnylion Fri 03-May-13 11:20:46

Once you've short listed your potential insurance companies, it's worth asking your vet about which ones they are happy to chase for the money, and which ones you need to pay upfront and claim back yourself.

I'm with petplan and my vet deals with them directly so I never pay more than the excess.

SilverBellsandCockleShells Fri 03-May-13 09:14:12

Ah, OK!

Have a look at confused.com. You can enter the purchase price, breed, etc. there and see what comes up ...

ihatethecold Fri 03-May-13 09:12:00

I didn't mean it to sound like that, what I mean is will the insurance be invalid if I didn't put the correct cost of buying him.

SilverBellsandCockleShells Fri 03-May-13 09:08:02

"I got a quote will Churchill but the form stated that they will only insure the value of the dog up to 500 pounds.
My dog costs me a lot more than that."

I can't help thinking that this is a little mercenary ... surely your dog is family member and your insurance is to ensure his continued health and happines, not to replace him for a newer model if he pops his clogs!

tabulahrasa Fri 03-May-13 09:04:42

'am quite shock at the amounts some of you pay, am with healthy pets and am £10 a month it gives me £7500 cover and I have claimed three times'

With mine it was definitely a breed thing, Rotties are expensive to insure it turns out...I should have checked what insurance group he was in when I was checking out running costs, lol.

In regard to having to pay upfront, I stick it on a credit card and the insurance has so far always paid out before the bill is due.

There was no limit on what my dog is worth, they just asked what he cost.

ihatethecold Fri 03-May-13 08:50:02

Thanks everyone for your responses, I'm definitely going to get insurance, it's just deciding what type.

I got a quote will Churchill but the form stated that they will only insure the value of the dog up to 500 pounds.
My dog costs me a lot more than that.

Is that normal practise?

homebythesea Fri 03-May-13 07:38:11

I would urge every dog owner to get cover. Our very healthy 3 year old became very ill from an apparently innocuous injury. We ended up having to take him to intensive care vet hospital and the very first question was " are you insured because treatment will cost at least £2000". Could you really face having to make a decision to treat or not in those circumstances?.

SilverBellsandCockleShells Fri 03-May-13 07:32:38

We have an accident-only policy for our pup. We don't need third party cover as its covered by our house insurance.

I went to confused.com and looked at the different options. We ended up with the cheapest option as it was the only one without the third party cover.

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