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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.

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.

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