Dog insurance ?
Discussion
Our 7 year old mongrel is insured with M and S and its £30.92 a month, seems steep, more than my V8 Mercedes.
How much do you pay, is that typical, i went on a price comparison site and it ranged from a couple of quid to £52 a month.
Loads at £15 to £20, are there any to avoid like the plague ?
How much do you pay, is that typical, i went on a price comparison site and it ranged from a couple of quid to £52 a month.
Loads at £15 to £20, are there any to avoid like the plague ?
We're with PetPlan. £30 for one dog and £35 for the other.
I keep telling myself it's too much... I've come really close to cancelling it a few times, and then one of them will do something stupid and I have a claim for £1,000+
I wouldn't say we're breaking even, despite a couple of really big payouts they've still made a healthy profit from us, but I know that PetPlan are decent at paying out and if anything happens I don't have to consider whether I can afford to fix the dog - they get the best healthcare no matter what.
I keep telling myself it's too much... I've come really close to cancelling it a few times, and then one of them will do something stupid and I have a claim for £1,000+
I wouldn't say we're breaking even, despite a couple of really big payouts they've still made a healthy profit from us, but I know that PetPlan are decent at paying out and if anything happens I don't have to consider whether I can afford to fix the dog - they get the best healthcare no matter what.
I am paying £30 each for my two with Pet Plan and they are only 3 and 16 months. I wanted to change but stuck as they both had claims and its companies won't cover for 'pre existing conditions'
I think you are doing quite well.
M&S were brilliant with insurance claims for our first whippet. They paid out about 3k in his last 6 months. I'd swapped to them from Sainsburys who had bumped his premiums to £70 a month. M&S qu £47/month for the same cover.
I think you are doing quite well.
M&S were brilliant with insurance claims for our first whippet. They paid out about 3k in his last 6 months. I'd swapped to them from Sainsburys who had bumped his premiums to £70 a month. M&S qu £47/month for the same cover.
andym1603 said:
How are you getting Petplan so cheap? Is it the breed of dog? I was quoted near enough £100 for our Great Dane when I last renewed. Settled with Animal Friends in the end for £43pcm.
Yes breeds make a difference. I have 2 whippets, fairly small breed so costs of drugs etc would be less than a Great Dane. A course of a'bio's can cost almost £100 for a very large breed!!On top of that the medical conditions they are prone to are quite extensive and quite expensive to treat. They do also go on postcode.
Animal Friends seem to be raising their game (awful company for vets to work with years back) a d offering good prices for a good cover. How much will they pay out per year for one condition? Sometimes what a company will actually cover when it comes to the crunch can be the difference between why a premium is low or high.
Can you afford to self insure? I.e. Could you afford a hit of the maximum payout under the insurance? If so, quit the insurance and just tuck the money away. With the ever increasing rates of insurance premium tax the government is making insurance a mugs game unless you are looking for disaster cover like life / house or have to have it (car) IMO.
williaa68 said:
Can you afford to self insure? I.e. Could you afford a hit of the maximum payout under the insurance? If so, quit the insurance and just tuck the money away. With the ever increasing rates of insurance premium tax the government is making insurance a mugs game unless you are looking for disaster cover like life / house or have to have it (car) IMO.
I did this in the last couple of years of my Jaz's life. The insurance would not cover her existing conditions any more (Tesco had a predefined time limit on certain conditions) and also wanted somewhere around £70 a month iirc. I calculated/gambled that self insurance was far more cost effective, and it was.Luckily a few years earlier they'd paid out a lot to Fitzpatrick Referrals
bexVN said:
Yes breeds make a difference. I have 2 whippets, fairly small breed so costs of drugs etc would be less than a Great Dane. A course of a'bio's can cost almost £100 for a very large breed!!
On top of that the medical conditions they are prone to are quite extensive and quite expensive to treat. They do also go on postcode.
Animal Friends seem to be raising their game (awful company for vets to work with years back) a d offering good prices for a good cover. How much will they pay out per year for one condition? Sometimes what a company will actually cover when it comes to the crunch can be the difference between why a premium is low or high.
The payment is £2000 per annum, per condition with unlimited lifetime cover. This is their Superior cover. It does not seem much but we are on Dane No6 and have never had any major problems with any of them. At present we are on Antirobe for a gland issue which only cost us £73 for the course. Here is a sideways (Thanks Apple) picture of Fletcher sitting on a chair.On top of that the medical conditions they are prone to are quite extensive and quite expensive to treat. They do also go on postcode.
Animal Friends seem to be raising their game (awful company for vets to work with years back) a d offering good prices for a good cover. How much will they pay out per year for one condition? Sometimes what a company will actually cover when it comes to the crunch can be the difference between why a premium is low or high.
£2,000 is lower and that will explain the lower premium. Pet plans lowest is 4k and more commonly 7k cover per yr and reinstated if needed providing the cover for life.
The same course for my dog would be about £20 (there are more expensive a'bio's out there).
It is always nice to hear when dogs have led long and healthy lives for the breeds but obviously sadly some do get ill and that is when the costs very quickly mount (for any breed but especially larger ones)
Love the colour, great photo (I find portrait photos from my Android phone always end up on their side, landscape shots are fine!)
The same course for my dog would be about £20 (there are more expensive a'bio's out there).
It is always nice to hear when dogs have led long and healthy lives for the breeds but obviously sadly some do get ill and that is when the costs very quickly mount (for any breed but especially larger ones)
Love the colour, great photo
(I find portrait photos from my Android phone always end up on their side, landscape shots are fine!) Duncan - bog standard staffy £26.00 pm
Lou - pedigree miniature English bull terrier £93.00 pm (with no pre-existing conditions)
Both with PP.
Worth a mention - close friend of mine has an MEBT too with heart problems and a recent £4K stay at Davies for cellulitis has just had his renewal through at £208.00 pm.
Lou - pedigree miniature English bull terrier £93.00 pm (with no pre-existing conditions)
Both with PP.
Worth a mention - close friend of mine has an MEBT too with heart problems and a recent £4K stay at Davies for cellulitis has just had his renewal through at £208.00 pm.
I am about £65/month for my Dane and about half of that for my GSD.
My first Dane needed 2 cruciate ligament operations which were around £2k each and my last Dane had cardiac and pulmonary problems which were managed for just over a year with drugs costing in the region of £200/month. Big thumbs up to Tesco Pet Insurance for covering these things without any drama.
My first Dane needed 2 cruciate ligament operations which were around £2k each and my last Dane had cardiac and pulmonary problems which were managed for just over a year with drugs costing in the region of £200/month. Big thumbs up to Tesco Pet Insurance for covering these things without any drama.
andym1603 said:
Blackpuddin said:
£50-odd with John Lewis for our spoodle, that'll teach me for making a couple of £200 claims, insurance comoanies NEVER lose.
That's why I never claim for anything unless it is an operation.Blackpuddin said:
£50-odd with John Lewis for our spoodle, that'll teach me for making a couple of £200 claims, insurance comoanies NEVER lose.
They often lose huge amounts on individual cases, but if they've got the maths rights, they will win with their entire client base. Nothing wrong with that, it's a business, not a charity. Gassing Station | All Creatures Great & Small | Top of Page | What's New | My Stuff