Dog insurance recommendations
Discussion
We are collecting a pup in early June. I had planned to go straight to NFU for insurance but as we've got a little time I thought I'd see peoples recommendations?
Particularly those who have had to make a/multiple claims.
Alternative is to gain public liability on the home insurance and pay for whatever may come in the future. Thoughts on this too?
Particularly those who have had to make a/multiple claims.
Alternative is to gain public liability on the home insurance and pay for whatever may come in the future. Thoughts on this too?
pidsy said:
Pet Plan are the biggest and easiest to deal with in my experience- most vets can deal directly with them on your behalf.
I agree. Two of ours are with Pet Plan and they have dealt with claims efficiently. As above, if them paying the vet direct is important to you, check with the vets you might be using, as they sometimes won't deal direct with certain insurance companies. They're not the cheapest though.Make sure you get the right type of cover - for lifetime.
For public liability cover, you can take out membership with the Dog's Trust for £25 per year which gives £1,000,000 cover per claim.
https://www.dogstrust.org.uk/get-involved/membersh...
Bought by many were incredibly efficient when we had to claim last year, a 11 night stay at the vets ain't cheap, they sorted the claim quickly without fuss, and the renewal a couple of months later, was better than expected. New puppie was added to the policy later at a reasonable cost too..
Was with petplan for a few years previously, and the premium just got ridiculous, and we never even claimed.
Was with petplan for a few years previously, and the premium just got ridiculous, and we never even claimed.
Our Vet made two successful claims for cruciate ligamant ops since last March on one of our dogs, capped at £3k for the two, we had to pay a grand total of £37.
This is with Tesco, paid out with no problems whatsoever and we received a very sympathetic letter from the confirming the payout direct to our Vet.
This is with Tesco, paid out with no problems whatsoever and we received a very sympathetic letter from the confirming the payout direct to our Vet.
rigga said:
Bought by many were incredibly efficient when we had to claim last year, a 11 night stay at the vets ain't cheap, they sorted the claim quickly without fuss, and the renewal a couple of months later, was better than expected. New puppie was added to the policy later at a reasonable cost too..
Was with petplan for a few years previously, and the premium just got ridiculous, and we never even claimed.
BBM have been a complete PITA for us. every claim takes an eon of back and forth. Asking again and again for information from the vet which they’ve shady received. the last claim took nearly 3 months to pay out. Was with petplan for a few years previously, and the premium just got ridiculous, and we never even claimed.
RowanF said:
Admittedly wrong animal but our cat insurance through Tesco was faultless on a recent claim that ultimately sadly ended with euthanasia for the poor thing. £1400 claim settled within a week, paid direct to vet. £120 excess taken by vet by way of deposit.
Similar story here - no complaints about Tesco. Take a look at Pdsa insurance. Paid a £300 claim for us promptly which did include an initial vet visit that we initially weren't going to claim for but the condition worsened and the vet linked the visits and paid no quibble.
Paying £13 a month, went up to £15 this (our 2nd year) with them.
Paying £13 a month, went up to £15 this (our 2nd year) with them.
We've never insured and our (pedigree) terriers are now 13 and 14.
We've had the odd vet bill along the way but overall we have paid much less by 'self insuring' than had we taken insurance through a provider.
We found that there are so many exclusions it made no sense, the 'house' always wins etc. - others will see the risk differently of course but it's worked for us.
We've had the odd vet bill along the way but overall we have paid much less by 'self insuring' than had we taken insurance through a provider.
We found that there are so many exclusions it made no sense, the 'house' always wins etc. - others will see the risk differently of course but it's worked for us.
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