Pet Insurance Woes
Discussion
So just had another renewall through and the premium has jumped again from £41 a month to £64
ManyPets say it's because my dog is getting older, which i get but she's only just turned 3 FFS.
No claims, no issues other than a few of those online zoom calls (one for the s
ts, one for ticks and one for a scatch on the eye)
All of which cleared up within a few days with some minor meds from the vet, and according to their own wording these 24/7 online calls don't affect claim history etc whatsoever.
Anyway, the dog is as fit as a fiddle, fully up to date with all its jabs, worming etc. Vet says she is a model example of fitness.
Issue I have is that they just keep inflating this premium by eye watering amounts year on year, regardless of whether we claim or not.
So what do you guys do? Suck up these payments, do annual premiums or lifetime cover etc.
Really keen to hear of real world experiences and suggestions.
She's a cocker spaniel on lifetime cover with a £15k limit, full benefits and a love of ready salted
ManyPets say it's because my dog is getting older, which i get but she's only just turned 3 FFS.
No claims, no issues other than a few of those online zoom calls (one for the s
ts, one for ticks and one for a scatch on the eye)All of which cleared up within a few days with some minor meds from the vet, and according to their own wording these 24/7 online calls don't affect claim history etc whatsoever.
Anyway, the dog is as fit as a fiddle, fully up to date with all its jabs, worming etc. Vet says she is a model example of fitness.
Issue I have is that they just keep inflating this premium by eye watering amounts year on year, regardless of whether we claim or not.
So what do you guys do? Suck up these payments, do annual premiums or lifetime cover etc.
Really keen to hear of real world experiences and suggestions.
She's a cocker spaniel on lifetime cover with a £15k limit, full benefits and a love of ready salted
My 5 year old Corso is about £110 a month, with a claim for £6k currently up in the air as to whether it’s being paid for. I wouldn’t be surprised if at renewal it’s £200+ pm or “sorry we can no longer cover you”.
If I didn’t have insurance I’d be approx £30k down now, so in my eyes it’s been worth every penny. But then I know people who’ve paid insurance religiously and barely / never actually had to use it.
If I didn’t have insurance I’d be approx £30k down now, so in my eyes it’s been worth every penny. But then I know people who’ve paid insurance religiously and barely / never actually had to use it.
Turkish91 said:
My 5 year old Corso is about £110 a month, with a claim for £6k currently up in the air as to whether it’s being paid for. I wouldn’t be surprised if at renewal it’s £200+ pm or “sorry we can no longer cover you”.
If I didn’t have insurance I’d be approx £30k down now, so in my eyes it’s been worth every penny. But then I know people who’ve paid insurance religiously and barely / never actually had to use it.
Jeez what was the problem with him/her?If I didn’t have insurance I’d be approx £30k down now, so in my eyes it’s been worth every penny. But then I know people who’ve paid insurance religiously and barely / never actually had to use it.
I was taken aback when my two were regarded as 'too old' at the ripe old age of 8 last year.
Happily, I shopped around and have what appears to be better cover including dental with Co-op Pet Insurance for about half what I was paying Napo previously.
Obvs, won't know if the cover is any good until I need to claim...
Happily, I shopped around and have what appears to be better cover including dental with Co-op Pet Insurance for about half what I was paying Napo previously.
Obvs, won't know if the cover is any good until I need to claim...
Sim75 said:
She's a cocker spaniel on lifetime cover with a £15k limit, full benefits and a love of ready salted
She's gorgeous.I have a working Cocker, and everyone who I know that has Cockers (or Spaniels in general) would say that Insurance is needed because Spaniels are crazy and get into all sorts of trouble. My last Spaniel cost me £800.00 on Christmas day, this would have been a quarter of the price if it had been two days later!
Whether the monthly's are worth it or not is entirely your decision, but she looks like she is worth it.
Premiums for our 14 year old Jack Russell cross were £45 a month for the last policy year, renewal from August was quoted at £74 a month.
We've voluntarily increased our excess payment which reduces the renewal premium to £60 instead of the proposed £74. Maybe this is an option your insurer offers?
Cute spaniel btw.
We've voluntarily increased our excess payment which reduces the renewal premium to £60 instead of the proposed £74. Maybe this is an option your insurer offers?
Cute spaniel btw.
If no claims/pre-existing conditions, maybe look to change insurance provider?
Can't guarantee you'll find cheaper but perhaps worth a look?
I have three dogs, only one is insured. No particular rationale, other than the fact that this one came with 4 weeks free insurance from the rescue and I decided to continue it. Same as the previous two I had insured - they both developed chronic conditions so the insurance came in handy in the end.
(All with PetPlan - not the cheapest, but good customer service and no issues with any claims so far).
Your dog is gorgeous; she looks like a younger version of one of ours.
Can't guarantee you'll find cheaper but perhaps worth a look?
I have three dogs, only one is insured. No particular rationale, other than the fact that this one came with 4 weeks free insurance from the rescue and I decided to continue it. Same as the previous two I had insured - they both developed chronic conditions so the insurance came in handy in the end.
(All with PetPlan - not the cheapest, but good customer service and no issues with any claims so far).
Your dog is gorgeous; she looks like a younger version of one of ours.
Nozzle hit £220 a month, and she's only four and a half. She had a heart operation at about two and is now in rude health, but Pet Plan clearly wanted to recoup all the cost from us, which seems unsporting and against the point of insurance, so we cancelled and the money goes into a savings fund instead.
Yeah, I was thinking about switching and sucking up the first two years of previous conditions not being covered.
(sts / ticks and eye scratch) as all were minor and we self treated.
Do petplan increase their prices substantially year on year?
ManyPets has gone from £20 - £30 - £40 - £60... without a single claim.
Don't want to be dropping £150 a month on this come year 7!
(s
ts / ticks and eye scratch) as all were minor and we self treated.Do petplan increase their prices substantially year on year?
ManyPets has gone from £20 - £30 - £40 - £60... without a single claim.
Don't want to be dropping £150 a month on this come year 7!
I'm paying £185 p.m. for insurance cover for our 12 year old German Shepherd and, whilst the cost has increased year on year (including a 30% increase at the recent renewal), it continues to be 'value for money', as we recover more than that sum every month for vet fees and meds.
He has various ongoing conditions, so we couldn't get cover with another insurer, but Direct Line have been great and are prompt payers, either direct to us or the vet, depending on the reason for the claim.
The policy has an £8k lifetime limit per condition, one of which has just maxed out, meaning that I'll now be paying for the meds at £7.00 per day....
So, insurance has certainly been a lifesaver to us (and the dawg!), but I do accept that others choose to 'put the money away' rather than potentially lining the insurer's pocket.
He has various ongoing conditions, so we couldn't get cover with another insurer, but Direct Line have been great and are prompt payers, either direct to us or the vet, depending on the reason for the claim.
The policy has an £8k lifetime limit per condition, one of which has just maxed out, meaning that I'll now be paying for the meds at £7.00 per day....
So, insurance has certainly been a lifesaver to us (and the dawg!), but I do accept that others choose to 'put the money away' rather than potentially lining the insurer's pocket.
Sim75 said:
Yeah, I was thinking about switching and sucking up the first two years of previous conditions not being covered.
(sts / ticks and eye scratch) as all were minor and we self treated.
Do petplan increase their prices substantially year on year?
ManyPets has gone from £20 - £30 - £40 - £60... without a single claim.
Don't want to be dropping £150 a month on this come year 7!
Definitely worth speaking to them and checking what might/might not be covered. Daphne had mange as a puppy before we got her, so I had to declare this. They've excluded skin conditions but said that they would review in a year or two providing she hasn't had a recurrence.(s
ts / ticks and eye scratch) as all were minor and we self treated.Do petplan increase their prices substantially year on year?
ManyPets has gone from £20 - £30 - £40 - £60... without a single claim.
Don't want to be dropping £150 a month on this come year 7!
We haven't got to the one year anniversary yet, so can't say re increase, but I am surprised yours has gone up so much every year; I had thought they tended to work more on certain age thresholds (3/4 then 8). I can't really remember about Sam and Jet, sorry, but checking my direct debit history it looks like I was paying about £90 p/m at the time Jet died (at 10).
We pay about £30 p/m for Daphne, who is a 1 year old lurcher. You may find the cost is higher for a pedigree.
ETA - that's a 'Covered for Life' policy, £7k vets fees per condition/injury per year
Edited by moorx on Monday 31st July 17:43
Has anyone got any specific recommendations for insurance companies without a co-payment when you claim? I'm happy with a small excess of course but 20% of, lets say £6000 would be a bit of a stinger.
I'm currently with LV and they have actually reduced my premium on renewal (Chocolate lab, 8 years old) but because of her age that now includes the 20% co-payment.
Most of the quotes I have had for a policy without it have been £80+ so I'm tempted to just stick with LV and know that 80% of any claim will be covered.
I'm currently with LV and they have actually reduced my premium on renewal (Chocolate lab, 8 years old) but because of her age that now includes the 20% co-payment.
Most of the quotes I have had for a policy without it have been £80+ so I'm tempted to just stick with LV and know that 80% of any claim will be covered.
So far I've been happy with Many Pets. First year of insurance and paying £52 per month - Cavalier King Charles Spaniel puppy. Currently 9 months old. At 7 months she had 2 hernia operations (in one go). £2,700. Handled via Davies Specialist Vets who did the operation.
So I'm expecting the premium to increase come renewal.
Let's see how much.
So I'm expecting the premium to increase come renewal.
Let's see how much. Far Cough said:
They may be loading your policy because of the 3 claims or incidents you have used their services for ?
Get on the comparison sites and see what they come out to give you an idea.
I suspect you might be right, which will p!ss me off massively if so as it's not how they sell that service.Get on the comparison sites and see what they come out to give you an idea.
It's worded like windscreen protection on your car insurance. Just a value add.
Could have just booked a vet consulation for £20.
Annoyingly i get the same service through the vet, I just haven't set the app up!
Sim75 said:
Turkish91 said:
My 5 year old Corso is about £110 a month, with a claim for £6k currently up in the air as to whether it’s being paid for. I wouldn’t be surprised if at renewal it’s £200+ pm or “sorry we can no longer cover you”.
If I didn’t have insurance I’d be approx £30k down now, so in my eyes it’s been worth every penny. But then I know people who’ve paid insurance religiously and barely / never actually had to use it.
Jeez what was the problem with him/her?If I didn’t have insurance I’d be approx £30k down now, so in my eyes it’s been worth every penny. But then I know people who’ve paid insurance religiously and barely / never actually had to use it.
Cruciate on left back leg in Nov 2019 (£6k - insurance paid)
Got infected (£2k - insurance paid and maxed the £8k per condition so no longer covered)
Cartlidge damage in left knee June 2020 - no longer covered so £4k-ish of my own money.
Eyes went on the wonk again in 2021 - op done at specialist rather than my local vet (£3600ish? Tried to claim, but due to past op they refused so again, my own pocket)
Somehow managed to ram a seat latch in the back of my Shogun clean through her right rear paw, as in through the bottom and out the top. Emergency job as I’ve never seen so much blood come out of an animal that hasn’t been shot or gutted for the freezer. Think that was £1200ish and insurance paid.
Last summer - allergy to something, turned out to be grass apparently but that was £1k worth of tests, pills, skin scrubs etc. Insurance paid.
And finally two weeks ago, cruciate on her right rear leg. £6k. Awaiting to find out if insurance are paying or not… I have every finger and toe crossed as you can imagine at this point
I was a little off at £30k (although there is probably things I’ve forgotten) as that total is about £24k
Turkish91 said:
Inturned eyelids roughly May 2019 (£600 paid this myself for some reason)
Cruciate on left back leg in Nov 2019 (£6k - insurance paid)
Got infected (£2k - insurance paid and maxed the £8k per condition so no longer covered)
Cartlidge damage in left knee June 2020 - no longer covered so £4k-ish of my own money.
Eyes went on the wonk again in 2021 - op done at specialist rather than my local vet (£3600ish? Tried to claim, but due to past op they refused so again, my own pocket)
Somehow managed to ram a seat latch in the back of my Shogun clean through her right rear paw, as in through the bottom and out the top. Emergency job as I’ve never seen so much blood come out of an animal that hasn’t been shot or gutted for the freezer. Think that was £1200ish and insurance paid.
Last summer - allergy to something, turned out to be grass apparently but that was £1k worth of tests, pills, skin scrubs etc. Insurance paid.
And finally two weeks ago, cruciate on her right rear leg. £6k. Awaiting to find out if insurance are paying or not… I have every finger and toe crossed as you can imagine at this point
I was a little off at £30k (although there is probably things I’ve forgotten) as that total is about £24k
Dog owes you a hug mateCruciate on left back leg in Nov 2019 (£6k - insurance paid)
Got infected (£2k - insurance paid and maxed the £8k per condition so no longer covered)
Cartlidge damage in left knee June 2020 - no longer covered so £4k-ish of my own money.
Eyes went on the wonk again in 2021 - op done at specialist rather than my local vet (£3600ish? Tried to claim, but due to past op they refused so again, my own pocket)
Somehow managed to ram a seat latch in the back of my Shogun clean through her right rear paw, as in through the bottom and out the top. Emergency job as I’ve never seen so much blood come out of an animal that hasn’t been shot or gutted for the freezer. Think that was £1200ish and insurance paid.
Last summer - allergy to something, turned out to be grass apparently but that was £1k worth of tests, pills, skin scrubs etc. Insurance paid.
And finally two weeks ago, cruciate on her right rear leg. £6k. Awaiting to find out if insurance are paying or not… I have every finger and toe crossed as you can imagine at this point
I was a little off at £30k (although there is probably things I’ve forgotten) as that total is about £24k
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