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Labradoodle question, 1st time dog owner pet insurance

(7 Posts)
Bakingtins Sun 09-Dec-12 20:33:56

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.

alwaysworking Sun 09-Dec-12 20:23:21

i've been shopping for insurance recently and did notice that labradoodle came up on the list. went with petplan in the end and it was definitely on their list.

tabulahrasa Sun 09-Dec-12 18:25:54

I always assumed that you put what you paid, so if that was nothing, then that's what I put.

NothingIsAsBadAsItSeems Sun 09-Dec-12 16:45:06

He's a crossbreed so would come under that unless the insurers have a special category for doodles confused you get special categories for certain horse crosses so could do the same with dogs?

No idea about pricing since I don't believe doodles are worth the amount some breeders charge refuses to pay over £100 for a crossbreed

Principality Fri 07-Dec-12 14:32:53

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.

LetThereBeCupcakes Fri 07-Dec-12 14:21:01

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.

Onamincepiebreak Fri 07-Dec-12 13:03:56

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 blush 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 confused

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