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.

finickypinickity Thu 02-May-13 13:51:22

Lifetime cover from Homebase for new dog but i have never had to claim so it might be a nightmare and i just dont know yet!

Petplan for old dog because the vet recommended it but the cost for the same cover as Homebase is 3 times the amount even though old dog is only 2 hmm

ihatethecold Thu 02-May-13 14:00:21

Old dog at 2 ??

finickypinickity Thu 02-May-13 14:03:05

Well he is old dog compared to new pupgrin

MrsWolowitz Thu 02-May-13 14:07:18

I have pet plan.

They are expensive but you get what you pay for IMO. Also they have lifetime cover which I really like and it is actually lifelong as I'm believe other providers say lifelong but have lots of loopholes.

Jas is insured with John Lewis on a lifetime cover. It's £11 a month and paid out no problem when he tried to kill himself with a Toblerone just before Christmas. New pup has the 4 weeks petplan cover for now, but I'll be ringing John Lewis soon.

Happiestinwellybobs Thu 02-May-13 14:14:12

I'm with more than. Now paying (after 4 years) about £25pm, which covers everything, but they did pay out after 9 months for £3k for surgery.

pimmsgalore Thu 02-May-13 14:36:39

Pimmsdog is with the life plan from John Lewis. They even gave me a discount when we changed him from cross bread (put in before we got him) to lab collie cross apparently he is now less of a risk. He was £189 for the year.
On a slightly different note they did inform me that you must change you address within 2 weeks of moving or they won't pay out. Just in case anyone else moving soon

LEMisdisappointed Thu 02-May-13 14:39:48

My dogs aren't insured, i didn't pay that much for them so they won't be worth much as a write off grin

LEMisdisappointed Thu 02-May-13 14:40:25

oh, and I used to work at a vets who do anything my dogs need at cost so i am very very lucky

ILikeToClean Thu 02-May-13 14:43:49

Another vote for John Lewis, lifetime cover up to £7k a year which was more than anyone else I looked at. It's £28 pm and he's 14 weeks.

Rikalaily Thu 02-May-13 14:45:53

Yep, we use Petplan and have the £7k a year lifetime policy. It's £23 a month, he's a cross breed (Boxer/Rottweiler).

We haven't got the cats insured anymore but wish we did after getting £1700 in vet bills for two of them last year!

fishybits Thu 02-May-13 14:49:15

pigsDOfly Thu 02-May-13 15:37:39

Wish I'd known about John Lewis. I'm with Pet Plan, lifelong policy, and pay about £38 per month. Can't change now as dog has an eye problem that any other company would most definitely not insure for that might possibly come back at a later date.

You do have to be careful about what some of the policies pay out on. Pet Plan covers for teeth as well, apparently some of them don't. I learned that the hard way with my cats when I took out their lifelong policy with Help you Cover. If your cat has any treatment for teeth within 2 years of taking out the policy, even if you don't claim for it, then any future tooth treatment isn't paid for. Well that was their policy at the time (10 years ago).

At one point I was paying just over £40 a month for each cat, but oddly enough it dropped to £25 a month when they reach 18yo.

I've found having insurance is well worth while especially as the cats got older and I've already made several claims for the dog. And both insurance companies pay up without any problems.

tabulahrasa Thu 02-May-13 15:38:33

I'm with Purely Pets - because it was cheaper than petplan at £35 a month hmm (it still sounds like loads to me, lol) It's £7500 a year of lifetime cover. I do have to pay and then get it back rather than them paying the vet directly, but so far I've claimed about £3000 from them and they've been very quick at sending me cheques.

toboldlygo Thu 02-May-13 15:52:02

One is with Direct Line and one with Animal Friends. Started out at £24 per month per dog, now had large claims on both policies and it's circa £38 per dog per month. Still cheaper than the £1700+ bill for surgery that one has just racked up! Both are lifetime policies and I can't really switch now because there will be exclusions.

Floralnomad Thu 02-May-13 16:04:59

I'm with Direct Line and its not lifetime cover but I have it mainly for the 3rd party cover , it covers a condition to £6500 per year ( or something like that ) , dog is 3 and we've made one claim for £550 for a histiocytoma to be removed . To me it isn't worth paying 2 or 3 times the amount each month for insurance on the off chance that he gets some lifelong condition. This will pay for one off things and if the worse happens I will just pay the bills !

ReculverTowers Thu 02-May-13 16:08:04

I'm with morethan (which is RSA) for an 11yr old and 1 yr old it's about 35 a month i think

LadyTurmoil Thu 02-May-13 17:24:52

Important to have cover even if it's third party, in case your dog causes an accident etc. Don't know much about it but I know Scutte does and probably others more experienced than me!

ReculverTowers Thu 02-May-13 17:26:24

god you must have it. My dog became ill before christmas from something quite innocuous but had to be admitted to 2 overnights and it cost £700. Fine if you have that kind of money, but I don't. Hence why we have insurance

NotSoNervous Thu 02-May-13 17:27:44

My 2yr old dog is insured with pet plan and has a life long cover. I know there more expensive but they really are worth it. If you ever have to make a large claim then most practices will claim direct from let plan but not other insurers. My dog just had to have a £3000 operation and pet plan were absolutely brilliant no problems at all. If you could I would go with him 100% but if the bank doesn't allow it then any insurance is better then none but just be cautious of having problems with it in the future

Kungfutea Fri 03-May-13 03:30:35

My dog is not insured. We moved to the us so loads of exclusions (our dog is 9) so its just not worth it. Might look into 3rd party though since we are in the land of the lawsuit!

larlemucker Fri 03-May-13 05:03:17

We have more than. When my Yorkie got cancer twice (unrelated types) they paid out nearly £7000 altogether and they pay direct to the vets so you don't have to find the money to start with.

fudgelover Fri 03-May-13 05:47:37

We have marks and spencer pet insurance for our two dogs. Last year our 9 year old dog was diagnosed with diabetes. Then recently he developed cataracts which led to complete blindness. Without our insurance we would have had to have him put down as we could not have afforded all the costs. Surgery was successful and he is now back to his normal self. Though I must admit the premiums do go up rapidly once you start putting in large claims.

1MitchellMum Fri 03-May-13 06:26:53

Pet Plan for us, now £70 per month for each dog. They're now 11 and 9. I think the older one has now had £25,000 worth of insurance claims back.

bryte Fri 03-May-13 06:33:35

M&S here too.

TwllBach Fri 03-May-13 06:39:15

Both my animals are insured but I can remember if it is the life time one or not. They're both with pet plan though.

They're coming up for renewal soon so I will be shopping around for a good deal!

Notsoblonde Fri 03-May-13 06:50:16

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

Bowlersarm Fri 03-May-13 06:52:38

Sainsburys pet insurance here. About £28 per dog. I thought it was essential to have pet insurance for liability in case your dog ran into road and caused an accident, bit another dog who had to have surgery, or a hundred other scenarios.

HoneyDragon Fri 03-May-13 07:08:51

Notsblonde. Is that life time? Or per condition?

IncognitoIsMyFavouriteWord Fri 03-May-13 07:14:59

my 3 have lifetime cover with protect your bubble.

I got a good deal to insure all 3 and it costs me just over £30 per month

Abra1d Fri 03-May-13 07:20:18

It is not necessary legally. I have never had insurance and believe it has contributed to cost increases in treatment for dogs. We do have savings, though, which would cover treatment. We pay out most for dental cleaning, which is rarely covered. I clean my dog's teeth to try and keep these dentals down.

My two are insured with tescos and they're brilliant. Pay the vet direct with no fussing.

My younger dog has had over £5k in claims in the 2.5 years of her life so thank god for them! One costs £10 pm and one is £8 pm as neither have a large value

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

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?.

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?

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.

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!

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 09:14:12

Ah, OK!

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

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.

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

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

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.

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.

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?

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!

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.

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!!

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

Are you actually paying that then ?

Jeez that's a scary amount of money

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

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.

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

ok. thanks for all the advice,

Is there any insurance companies that you would definately avoid?

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.

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 3rd one down). Anyway, sharing this in hope it helps other people looking at dog insurance.

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.

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).

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:

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.

Join the discussion

Join the discussion

Registering is free, easy, and means you can join in the discussion, get discounts, win prizes and lots more.

Register now