Pet insurance premiums - wow
Discussion
BoRED S2upid said:
Compare the market. Nobody just accepts these crazy hikes.
My wife’s in the veterinary business, there are only a few that she knows pay out reliably across a plethora of ailments; this limits the choice somewhat!Many policies have restrictions that you don’t realise until you have to claim, things where they only cover for the first year of a long term issue etc. I don’t know all the details as she’s the pro and I rather obviously trust her knowledge and experience.
Edited to add - from my perspective it is tempting to cancel as she does most things herself or with colleagues/friends (they look after each other’s animals) and only pay cost price for drugs. But….she insists it isn’t worth the risk because although her practice is large there are often specialist cases that require referral….and that costs big ££££
Edited by W12GT on Monday 12th September 12:19
BoRED S2upid said:
Compare the market. Nobody just accepts these crazy hikes.
My wife’s in the veterinary business, there are only a few that she knows pay out reliably across a plethora of ailments; this limits the choice somewhat!Many policies have restrictions that you don’t realise until you have to claim, things where they only cover for the first year of a long term issue etc. I don’t know all the details as she’s the pro and I rather obviously trust her knowledge and experience.
Edited to add - from my perspective it is tempting to cancel as she does most things herself or with colleagues/friends (they look after each other’s animals) and only pay cost price for drugs. But….she insists it isn’t worth the risk because although her practice is large there are often specialist cases that require referral….and that costs big ££££
Edited by W12GT on Monday 12th September 12:25
What boiled my piss recently was needing to use the pet insurance after the cat managed to partially deglove a leg.
Because the claim spanned the policy renewal I had to pay the excess twice.
Utter b
ds.
Never had a good experience with pet insurance or vets tbh....always feel like you've been shafted.
Because the claim spanned the policy renewal I had to pay the excess twice.
Utter b
ds.Never had a good experience with pet insurance or vets tbh....always feel like you've been shafted.
W12GT said:
...there are often specialist cases that require referral….and that costs big ££££
Our 3yr old cat is seeing a cat cardiologist - £1100 per time. We've never insured a cat before but this one had 14 days free and my wife just carried on, although the claims limit is £4K (which we're nudging now). Renewal is £260 (was £230 last year).After finding out the hard way about only having cover for a condition for one year we now have lifetime which is a bit more but absolutely have found to be worth it.
One thing I did notice is that with cats at least they have an age where irrespective of claims / condition what have you, the premium increases quite dramatically. I suspect it’s the same with other animals too which may explain the jump in costs.
One thing I did notice is that with cats at least they have an age where irrespective of claims / condition what have you, the premium increases quite dramatically. I suspect it’s the same with other animals too which may explain the jump in costs.
Nimby said:
It's hugely skewed by the age of the dog. We got a 12-week old puppy two months ago and insurance with More Than was only £66 for the whole year.
I expect that will double next year even with no claims, and be unaffordable when he's 3 or 4.
What does that cover? Or more importantly, what isn't covered? I expect that will double next year even with no claims, and be unaffordable when he's 3 or 4.
My pup was insured from 12 weeks and I'm paying around £350 a year and even then I'm wondering if my annual limit is too low.
I've never insured any of our dogs and just keep a general slush fund in place for all sort of lifes unforeseeables just in case.
We've probably been lucky but in 25 years of keeping dogs we've never had a serious issue that could not be funded out of monthly income. I've heard too many things about pet insurance and the 'exclusions' that has convinced me just to accept the risk.
I take a similar view with most insurance and carry quite a bit of risk rather than insuring it - the house always wins with insurance when all is said and done.
We've probably been lucky but in 25 years of keeping dogs we've never had a serious issue that could not be funded out of monthly income. I've heard too many things about pet insurance and the 'exclusions' that has convinced me just to accept the risk.
I take a similar view with most insurance and carry quite a bit of risk rather than insuring it - the house always wins with insurance when all is said and done.
wiggy001 said:
Nimby said:
It's hugely skewed by the age of the dog. We got a 12-week old puppy two months ago and insurance with More Than was only £66 for the whole year.
I expect that will double next year even with no claims, and be unaffordable when he's 3 or 4.
What does that cover? Or more importantly, what isn't covered? I expect that will double next year even with no claims, and be unaffordable when he's 3 or 4.
My pup was insured from 12 weeks and I'm paying around £350 a year and even then I'm wondering if my annual limit is too low.
Crook said:
After finding out the hard way about only having cover for a condition for one year we now have lifetime which is a bit more but absolutely have found to be worth it.
One thing I did notice is that with cats at least they have an age where irrespective of claims / condition what have you, the premium increases quite dramatically. I suspect it’s the same with other animals too which may explain the jump in costs.
I believe it tends to be 8 years old for dogs. I've just got a quote for our Puppy as if he was 9 years old and the premium jumps from £350 to £650 and we would have to pay 20% of any claim.One thing I did notice is that with cats at least they have an age where irrespective of claims / condition what have you, the premium increases quite dramatically. I suspect it’s the same with other animals too which may explain the jump in costs.
I always wonder if the bills are more if you are insured?
One of our cats was in a bad way after being hit by a car. After a lot of treatment the poor thing was put down after a week.
In my opinion she should have been put down as soon as possible. Her jaw was ripped off and she was blinded. Very upsetting but we had insurance.
Max payout was £7500 and what was the bill?
£7500 funnily enough.
One of our cats was in a bad way after being hit by a car. After a lot of treatment the poor thing was put down after a week.
In my opinion she should have been put down as soon as possible. Her jaw was ripped off and she was blinded. Very upsetting but we had insurance.
Max payout was £7500 and what was the bill?
£7500 funnily enough.
Nimby said:
wiggy001 said:
Nimby said:
It's hugely skewed by the age of the dog. We got a 12-week old puppy two months ago and insurance with More Than was only £66 for the whole year.
I expect that will double next year even with no claims, and be unaffordable when he's 3 or 4.
What does that cover? Or more importantly, what isn't covered? I expect that will double next year even with no claims, and be unaffordable when he's 3 or 4.
My pup was insured from 12 weeks and I'm paying around £350 a year and even then I'm wondering if my annual limit is too low.
You pays yer money...
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