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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To ask you about your dog’s insurance?

81 replies

MiniHolde · 08/05/2024 21:41

I have a pure bred re-homed dog.

insurance is due for renewal. My current insurer wanted to double the monthly costs so looking for new one.

Last year I couldn’t get any money back through insurance.
My dog had 2 minor situations (simple skin infection - cleared up super quick and a little cut paw) I paid about £120 for this in total but my excess was £85/condition so couldn’t get any money back.

Previously I paid £38/month and was covered up to £8k

I have had a Quick Look and seems like I could get a cheaper insurance starting from like £16 or so…

I was thinking that perhaps if I went with a cheaper insurance and put aside £25.00 in a savings account it might make more sense?

Any advice?

OP posts:
MumMumMumMumMumMumMum · 08/05/2024 21:51

I think we're going to cancel ours. It's just under £100 a month thanks to a freak accident requiring a back operation 4 and a bit years ago. It's just unaffordable now. If something major happened again, I don't think honestly wes so such an operation again as he's nearly ten now. Putting money aside is a good compromise in this situation I think but would say it's really depends on age of your dog and what sort of decisions you'd make.

noctilucentcloud · 08/05/2024 21:50

I think it's complete luck. I get back more than I pay each year for my dogs insurance. That's just for chronic illness though I did get an extra special big bill when he needed a day of investigations at a vet school! I guess it depends on if you get a big bill in two months time can you afford it or not. If not, I'd not take the gamble especially as £25 a month would be £300 in a year. That does not get you very much vet treatment.

Original poster
MiniHolde · 08/05/2024 21:49

Thats the thing … I dread to think what I’d do if something serious happened but on the other hand if I don’t need it it’s just ‘wasted’ money

I’m lost with it… the last 12 months I spent nearly £500 for nothing really. Maybe peach if mind but I had to pad on top of that another £120 plus £70 for vaccination

OP posts:
XenoBitch · 08/05/2024 21:47

I no longer have it... It was getting to over £100 a month, and I am on UC as my sole income.
She is also very old, so to be honest, there would be no heroics with any treatment.

Coulddowithanap · 08/05/2024 21:45

That's something we have been thinking about doing. Insurance is getting so expensive and when your dog is sick or injured they don't pay fully anyway.

Toooldtoworry · 08/05/2024 21:44

I'd say don't do that, and the reason I'd say that is because my insurers have forked out around 20k in the last year for my boy.

I'm also voting yabu for posting without a picture of said pupper.

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