We collect our dog in 2 days, I've spent quite a lot of time looking at insurance policies. It seems a total swizz!
Ideally we would like a lifetime policy with around £2-3k per illness, no annual policy limit and around £100 -200 excess. That looks to be available for around £15-20 per month, which will increase each year. As I understand it with lifetime policies you're unable to shop around like car insurance as it's based on you renewing, so by the time dog is 6yrs old we could be paying quite a lot more each month.
We have low risk lives, fairly sensible kids for their ages and I'm at home all the time. I plan to train the dog well. He's a toy breed so will be on lead most of the time. So whilst you can't foresee accidents, I think we're quite low risk.
We'd cover vaccinations and neutering and small things, just like we do with our house and car insurance, we don't claim for small things. So the insurance would be for big things that run into the thousands. The policy will then be capped at £2/3k anyway, so we will be exposed for amounts above that.
We do have credit available to us if something should happen, so my question is are we nuts to consider not taking out insurance!?
If you're worried about your pet's health, please speak to a vet or qualified professional.
The doghouse
Not taking out pet insurance...
HolaWeenie · 13/02/2018 21:37
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