That my dig insurance is talking the piss

Could be worse, you could be with animal friends, paying more and also having your claims refused because they don’t cover some of the main things that pets need (dental and anxiety meds). Ask me how I know 🙃

10 year old Springer: 1,600 per year with PetPlan and due for renewal, I’m dreading it . Saying that, he had an expensive op when he was 2 and we are just starting medication for arthritis. He is insured’for life’ so previous conditions not excluded. I think this is more expensive.he’s worth every penny though. He brings us soooo much joy every single day .

I have renewed ours with Agria Pet. It's gone from £400 to £480. We used the full claim amount last year for cancer diagnosis and treatment. Had claims in preceding 2 years as well for other things. Will be using the full claim amount this year to I expect. They have advised if our dog dies during the year they will refund the unused amount.

1350 for our Samoyed, 3 1/2
1200 for our Chihuahua cross, 8 1/2
760 for our JRT/Iggy cross, 2 1/2

All covered for life with Petplan.
I should note that our chihuahua has had eye surgery, stomach surgery and multiple dentals, all of which have been covered without quibble and pre-authorised where they can be which is a weight off our minds.

Our samoyed has just been diagnosed with elbow dysplasia, which involved at CT scan at £2600. Pre-authorised so we just had to pay £50 deposit. And he'll be having water treadmill, physiotherapy and general rehabilitation which they will also pay for as he's a young dog with hopefully a long, fun life ahead of him.

Have also previously had a diabetic cat, who was covered for ongoing meds etc.

You really do get what you pay for.

It’ll probably depend on your postcode too - all our local vets (all small animal practices in town) charge way more than my DM’s vet (mixed practice in rural location).

We pay £1700 for our 3 year old Bulldog with ManyPets - it comes eith 24hr video access to a vet & 20% of our yearly payment refunded if no claims!

That’s double what we pay for our beagle who has just turned 8! We’ve never claimed though.

Really sad this wasn't an archaeology thread

I have Petplan for my cats, and it's expensive.

But it's worth it for the sort of bills that can end up racking up in the senior years, and I took it out after having to pay for cancer treatment and meds etc for my previous dog. Wiped out my savings instantly.

I'm with sainsburys for my 12 year old border collie £25 odd a month.
Was previously with Purley pets who went from £44 a month & quoted £89 a month for 2026- 2027.

Age 7 or 8 is when the premiums start to really go up for dogs. If you haven’t had any claims then you could shop around, if you have had any claims then other companies will most likely exclude those conditions.

We had pet plan for our last spaniel who died just before his 5th birthday and they paid out 10k that year on tests and chemo etc. I can’t fault them but I guess that’s why you pay the high price.

Tesco and Sainsbury’s are much cheaper.

My spaniel is just about to turn 7

We’re with Many Pets and her insurance is now £100 a month - we have had a large claim for her though - best part of £6k for a cruciate ligament operation.

Hers is a lifetime policy so they can’t exclude the other leg so I’m just kind of hanging on for the other one to go then I can move to a cheaper insurance company.

I do stick to insurance companies that my vet will do Direct Pay with and they all seem to be more on the expensive side.

One claim about 4 years ago for elbow surgery. The rest were repeat medication claims only.

Have you previously made claims?

I was quoted £3200 for my 11yo Labrador last year. I couldn't afford it so have switched to a cheaper one with existing conditions excluded. I felt like I had no choice but to take the risk.

In terms of insurance, you get what you pay for. Petplan is the gold standard.

Petplan is notoriously expensive isn’t it?

Our dog is much younger so at the moment (2), it’s £300 a year with Tesco for the most cover we could get.