Discussion
So I've had my dog coming up for 1 year, my renewal has hit the mat and its gone up slightly. I'm currently with More Than, First dog I've owned so just did a comparison site last year and picked the one that was cheapest but I had heard of, there was quite a few cheaper but never heard of them.
But we have a pending claim (Around £700-800) which I'm guessing will bump it up some more, I went for Lifetime cover upto £4000 (£1000 per illness) I'm going to up this probably to £4000 per illness.
Question is: Can I jump companies every year like you would car insurance? or is that not the point of "lifetime" cover. Bit of a mind field it appears. Also do I need to declare "fever" as an existing "medical condition" or just forget about it even though we are claiming some of the fees back?
Dog is a 1.5 year old Siberian Husky b
h, she was taken in for an unknown "fever" which took 2-3 days of fluids/medication to clear she was kept in during the day and released at night.
But we have a pending claim (Around £700-800) which I'm guessing will bump it up some more, I went for Lifetime cover upto £4000 (£1000 per illness) I'm going to up this probably to £4000 per illness.
Question is: Can I jump companies every year like you would car insurance? or is that not the point of "lifetime" cover. Bit of a mind field it appears. Also do I need to declare "fever" as an existing "medical condition" or just forget about it even though we are claiming some of the fees back?
Dog is a 1.5 year old Siberian Husky b
h, she was taken in for an unknown "fever" which took 2-3 days of fluids/medication to clear she was kept in during the day and released at night.Edited by AJB88 on Tuesday 25th February 08:28
Worth being an armchair actuary, do the sums, and check if it might be cheaper to self insure? Put away the premium in a personal bank account each month, pay any vet fees. The risk of spending more, is balanced by the chance you might just get to pocket the lot end of year.
Insurance companies have to make money from somewhere.
Insurance companies have to make money from somewhere.
If you have a claim and want to jump companies you'll probably find they'll exclude anything even vaguely relating to that in future.
My rescue had an ear infection when I picked him up, so they excluded ears, allergies, and skin.
In the end I decided to save my money and put it in the bank.
My rescue had an ear infection when I picked him up, so they excluded ears, allergies, and skin.
In the end I decided to save my money and put it in the bank.
Sambucket said:
Worth being an armchair actuary, do the sums, and check if it might be cheaper to self insure? Put away the premium in a personal bank account each month, pay any vet fees. The risk of spending more, is balanced by the chance you might just get to pocket the lot end of year.
Insurance companies have to make money from somewhere.
We self insure 2 German Shepherds as the quotes for insurance were catastrophic. We know their parentage, so are confident about the common health issues. One is 10, the other is 18 months. After 10 years, we're about £6000 up in premiums. Nothing material has gone wrong with the older dog.Insurance companies have to make money from somewhere.
If we got a rescue with an unknown history, the calculations could be a bit different.
Both Barry and Daphne; young Yorkie/Jack Russel X's are insured but it's only £25 pm for the pair of them for a decent amount of cover, my only main concern is their cruciate's as as they are active Terriers; I've heard of many a terrier damaging them and I feel that £25 per month to cover a potential £2k operation is money well spent.
Daisy my 7.5yo Frenchie isn't insured as it's circa £200 pm, any visit to the vet has cost us no more than around £150.00, the vet states she is very healthy in general, however they think she has a neurological issue, this shows up every six months or so with her behaviour and given the expense of neurological problems and potential invasive procedures and her age and whether or not it is worth putting a dog through that sort of thing anyway, then I don't think it is worth insuring for.
Daisy my 7.5yo Frenchie isn't insured as it's circa £200 pm, any visit to the vet has cost us no more than around £150.00, the vet states she is very healthy in general, however they think she has a neurological issue, this shows up every six months or so with her behaviour and given the expense of neurological problems and potential invasive procedures and her age and whether or not it is worth putting a dog through that sort of thing anyway, then I don't think it is worth insuring for.
HTP99 said:
Both Barry and Daphne; young Yorkie/Jack Russel X's are insured but it's only £25 pm for the pair of them for a decent amount of cover, my only main concern is their cruciate's as as they are active Terriers; I've heard of many a terrier damaging them and I feel that £25 per month to cover a potential £2k operation is money well spent.
I'd advise checking your policy as I also have a JRT with a policy with a £4k per condition claim limit.... except cruciate ligament which is limited to £1.5k. The lil fella is currently under the care of a specialist supervet where the bill for his cruciate & TPLO surgery is currently running north of £4.5k so having a limit of £1.5k means I have quite a shortfall to cover.
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