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sorry... I’ll get my coat..
We’ve never had pet insurance and Sir Smellalot is too old for us to get it now but lifelong is usually recommended. I think it’s possible to get caught out with the others and end up with a dog with an expensive condition that you can’t get cover for.
Don't ask who they recommend, because they can't tell you that. Ask an individual vet who they insure their own pets with. That is 100% guaranteed to be an insurer that the practice will deal directly with, which can be hugely important (especially if a lifelong condition pops up which needs lifelong medicine).
Actually, on that score...don't skimp. Get the life cover, not the annual cover; if your pup needs lifelong medication, annual cover will only pay for the first year.
On top of the insurance, we also have a standing order to the vet so that we're always in credit there, and we make sure we always have at least double the insurance excess in the account. When it builds up too much to realistically spend, we just tell the vets to give a bunch to someone who's struggling to pay.
Whatever you get, don't cancel it or change it as anything ever mentioned to a vet before will be exempt from the new policy. Mention diarrhea to a vet, suddenly no stomach conditions are covered on your next policy.
She says they are very quick to authorise payment, normally within 48 hours. Others like KC or direct line can be quite slow to authorise emergency treatment as its more of a manual form filling process.. not what you want in that situation.
She works for a vetinary referral centre(supervet style), dealing with multiple insurance claims most days.
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Over 12 years ago one of of my twin cats developed what I eventually found to be Feline Vaccine Associated Fibrosarcoma.
It cost me £2000 for a single MRI scan just to determine the diagnosis...
I paid anyway (like you do) without knowing if it would be covered, but luckily it was. The condition was inoperable, but the subsequent meds helped her have a good pain free life.
The major costs were covered under a Petplan Lifetime policy. Not cheap, but it was worthwhile as the premiums did not rise following the diagnosis & treatment. Another worry I really didn't need to have at a very distressing time.