Worth changing current insurer?

[MarcoPoloCX]

I have two male neutered dogs.
Pug mix and staffy mix.
Both just over 3 years old.
Premium started at £21 per month and it has gone up annually each year.
Now it's £27 per month.

£12500 vet fees per year
£3m third party liability.
£1500 advertising and reward.

Didn't opt for other stuff.

Just wondering if 27 quid per month is good/ reasonable?
Or worth looking around?

[MarcoPoloCX]

Forgot to mention lifetime cover.

[PhoenixJasmine]

Do they have any pre-existing conditions - any vet visits apart from routine health checks or anything else that will be noted on their clinical records?

[LordRothermereBlackshirtCunt]

Yes, you have to be careful of changing insurer if there have been vet visits. They will make a list of exclusions, and they will be quite generalised too (eg. "all claims relating to ears" if the dog once needed ear drops). I think the price sounds quite OK for that level of cover, personally. And not all pet insurers are the same when it comes to getting them to pay out.

[MarcoPoloCX]

No pre existing conditions.
Also there's a pot of £12.5k per year currently with no limit per condition.

[LordRothermereBlackshirtCunt]

That's a good level of cover, I wouldn't go for less unless you're in a position to find thousands from your own pocket. I have £12k vet fees cover and thought this was a substantial amount. My dog is currently hospitalised in a specialist vets with a suspected liver problem that they are still trying to diagnose. We have got through £7k in six days, and that's before even starting to treat the illness. We're going to be dipping into our own funds at this rate.

[Noitsnotteatimeyet]

My 3 year old dog's is £42 per month and only has 7k cover (lifetime policy) - it started at £35 and due to him being rather accident-prone it's gone up so yours seems extremely good value to me!

[LaGattaNera]

I wouldn't - that is great cover and great price in my experience

[LaGattaNera]

Marco - who is that with?

[BiteyShark]

That sounds like a good deal to me.

[MarcoPoloCX]

It is with Agria but I took it over three years ago when they were puppies.
They increased the amount for vets fees automatically year on year.
I think it was only £7.5 back then.
Now it's £12.5k.

I didn't bother with all other stuff like boarding, breeding costs, loss on death etc.

[NootNoot]

£27 a month for lifelong cover is VERY good esp for a Pug mix. Don't change!!!! Agria are decent to deal with.
Some companies will not insure anything with Pug or French Bulldog in them.