What is a good annual maximum claim amount for dog insurance ?

[Boathouse5654]

Currently got it for £12k but wondering if £7k would be ok.

2 year old cockapoo

We claimed £2k for a bad UTI, which required lots of tests and treatments. So, it can add up. Maybe ask your vet how often clients clock up over £7k

Around seven years ago DDog tore his cruciate, £7.5k later 🤔wonder how much that would be now. He’s a large breed.
£7k should be ok unless you would treat cancer, then it won’t be enough.

What’s the price difference between the 2? It’s absolutely impossible to say, as we can’t tell you if your dog is going to have a horribly expensive accident or fall ill or not. Personally I don’t insure my dogs past around 18 months, but I’ve got the savings there to pay for a big vet bill if needed. My current two are 10 and 3 and they’ve never needed a vet outside routine vacs, I’d begrudge spending thousands a year ‘just in case’. My 10yo is an English bulldog and I was paying £70 a month when I first got him, I’d have pissed close to 10k up the wall just on the one dog by now, plus it probably would have gone up. I know not everyone has money put aside though

I've got a sprocker aged 5 and hers is set to £7k. Never claimed for anything more than a couple of nasty ear infections and bouts of tummy upsets that didn't clear. Our older dog isn't insured any more as the amounts were ridiculous. I've never made a claim really on either of them that was worth having the insurance for - and think it's a bit of a con.

However i have got a credit card that I never use with a £15k limit that I keep just for dog related emergencies in case.

I wouldn't go for anything less than 10k, personally, ideally more. Vet bills are going up all the time and it doesn't take much to hit 7k, unfortunately.

I previously worked in a veterinary referral hospital and regularly saw bills exceeding £7,000. Not only orthopaedic (fractures, cruciates, total hip replacements) and neurology (hind limb paresis - MRI was £4,000) but also long term chronic conditions such as dermatology. We once got a soft tissue referral for a dog with a snake bite and it’s skin fell off. The bill exceeded £15,000.
I personally don’t insure my JRT as I’m pretty sure anything he gets up to on the farm would be excluded from the policy.

I maxed out 7.5k one year with a previous dog - 3 things happened in one year.

So it’s not just big things.

Basically get the most you can afford.

I looked at lifetime policies for our new puppy and couldn’t find any more than £7,000 per condition per year. Most were much less

I have £25K for all three of mine.

Had a dog once who wracked up £14K in one claim.

Better to be safe than sorry - pets are worth the most we can give them. Don’t cut corners on insurance

My dog is undergoing tests at a specialists at the moment. He has 3 different ongoing condition with monthly claims. Last year he got referred in the July & by the time the claim renewed in the November I think we were at £8k. I wish we had more than £12k to be honest as I think we could easily max out