Dog insurance - any recommendations?

What's Hot
axisusaxisus Frets: 19892
Well, no surprise, I'm looking for dog insurance.

Who do you use, how much is it? Ta
0reaction image LOL 0reaction image Wow! 0reaction image Wisdom

Comments

  • digitalscreamdigitalscream Frets: 19868
    We use PetPlan.

    My advice is to ask your vet - they can't recommend an insurer, but they can tell you who they insure their own dogs with. Dollars-to-doughnuts, that's going to be an insurer who will deal directly with the vet for you.

    Also, make sure you get life cover, not annual cover. If any condition arises which requires medication for life (as can sometimes be the case with spaying, for example - it can result in poor bladder control, which requires a harmless drug for life to correct), then annual cover will only pay for the first year and then you're on your own. For us, when our Coco had exactly the aforementioned problem, it paid for itself almost immediately - the insurance is less than the medication would be.
    <space for hire>
    0reaction image LOL 0reaction image Wow! 1reaction image Wisdom
  • EricTheWearyEricTheWeary Frets: 11964
    we have a 15 year old dog with pre existing conditions so he ain't gonna get insurance now but based on previous Discussions look for the life cover ones and read the details. When I did look at pet insurance some of them were a bit crap and not worth taking out.    
    Inhale away Jackson Jeffrey Jackson. 
    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
  • StratavariousStratavarious Frets: 1304
    yep.. ask vet about their plans.
    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
  • toescantalktoescantalk Frets: 123
    I put money aside in an pet account every month rather than pay pet insurance. It is a bit risky initially, but my amount doesn’t go up when pets get older etc. and being doing for years now after hassle getting money back for a very straightforward request.
    0reaction image LOL 0reaction image Wow! 2reaction image Wisdom
  • pedalopedalo Frets: 47
    edited July 21
    We got a ten year old rescue and it would have cost about £80 a month to get her insurance with pre existing conditions not covered and an excess of about £120 and we would have to pay a quarter of treatment anyway. Something daft like that. 

    Pretty much every visit in the last three years has cost about £80 anyway and nothing would’ve been covered so we’ve saved a stack by not getting it. We could always get caught out by an expensive operation but for now it’s been the right call. 

    Would definitely get life cover if we got a pupper. 
    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
  • droflufdrofluf Frets: 1252
    What @digitalscream said!
    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
  • digitalscreamdigitalscream Frets: 19868
    I put money aside in an pet account every month rather than pay pet insurance. It is a bit risky initially, but my amount doesn’t go up when pets get older etc. and being doing for years now after hassle getting money back for a very straightforward request.
    Yes, we do this too - albeit slightly differently. We pay £50/month directly to the vet by standing order. As well as being really handy when there's stuff that needs doing but doesn't justify calling the insurers in, it also covers the excess if there's something more serious.

    Basically, we decided that if we're at the point where we're forced to take one of the girls to the vet, we're going to be stressed enough already that we really don't want to be thinking about money. This way, everything's paid for already and the money doesn't even come into the decision.

    There's usually about £4-500 in there, and if it gets past £600 then we tell the vet to take a couple of hundred and use it for a rescue's treatment or use it to help somebody who's struggling to pay their bill.
    <space for hire>
    0reaction image LOL 0reaction image Wow! 2reaction image Wisdom
  • octatonicoctatonic Frets: 30019
    edited July 21
    Petplan.

    We pay £80 a month for a giant breed.

    Your floof-ball should be a bit cheaper.
    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
  • skullfunkerryskullfunkerry Frets: 2318
    edited July 21
    We've just adopted an ex-racing greyhound and after looking through loads of posts about this in the facebook group that I've joined, I ended up going with Bought By Many. The price was similar to PetPlan but it included dental which I didn't see any specific mention of with PetPlan, and some of the figures were higher (like the money they'll pay for emergency boarding/repatriation etc).

    If you decide that they're good for you let me know, as I've got a referral link you can use.
    Too much gain... is just about enough \m/

    I'm probably only member of this forum mentioned by name in Whiskey in the Jar

    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
  • toescantalktoescantalk Frets: 123
    Seen Bought by Many recommended by dog owning friends.
    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
  • boogiemanboogieman Frets: 8435
    We went with Bought by Many for our Lab puppy too. Seemed to give the best balance of cost vs coverage. 

    We’ve had an Animal Friends policy for our last dog (RIP). They paid out ok although their admin didn’t seem terribly well organised… they mucked us about and delayed payment, saying the reason was our vet had refused to pass on our dog’s medical details. When we checked the vet told us they’d never actually requested them. 
    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
  • digitalscreamdigitalscream Frets: 19868
    Honestly, I can't emphasise enough how important it is to find an insurer who'll deal directly with the vets for you. It takes so much stress out of situations which are already of nightmare proportions. For us, that's definitely the priority.


    The price was similar to PetPlan but it included dental which I didn't see any specific mention of with PetPlan, and some of the figures were higher (like the money they'll pay for emergency boarding/repatriation etc).
    Is there a different excess on the dental procedures? I only ask, because most of the dental stuff we've had done with our dogs has been fairly small, like double the excess, to the point where it wasn't worth the hassle of bringing the insurers into the picture. We did check after the fact, though, and it would've been covered by our PetPlan insurance (that was quite some time ago, mind).
    <space for hire>
    0reaction image LOL 1reaction image Wow! 0reaction image Wisdom
  • ArchtopDaveArchtopDave Frets: 800
    I use PetPlan for my cat.       Make sure you get Lifetime Cover whatever policy you choose.
    0reaction image LOL 0reaction image Wow! 1reaction image Wisdom
  • BGGBGG Frets: 486
    Used Pet Plan for years, the Tesco but now they are all so expensive I stick money in a pot every month. 
    www.groovetrain.co.uk
    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
  • rsvmarkrsvmark Frets: 970
    We went for bought by many for Maisie. No complaints so far
    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
  • poopotpoopot Frets: 6950
    This thread reminded me I still need to sort insurance for the mutt… went into pet plan and this was the quote !!!!!!!!



    Ffs, do they think he’s a jewel encrusted solid gold dog or something????
    0reaction image LOL 3reaction image Wow! 0reaction image Wisdom
  • KittyfriskKittyfrisk Frets: 6517
    poopot said:
    This thread reminded me I still need to sort insurance for the mutt… went into pet plan and this was the quote !!!!!!!!



    Ffs, do they think he’s a jewel encrusted solid gold dog or something????
    People in this country tend to get spoiled by basing their idea of medical costs on the NHS.
    Imagine the cost of equivalent medical interventions, without NHS or BUPA etc. & you'd soon be considering those insurance expenses reasonable. Yes they are big numbers, but if you hit a bad accident or long term specialist care...
    https://www.pets4homes.co.uk/pet-advice/the-real-cost-of-vet-care-for-dogs-and-cats.html#
    https://www.tescobank.com/pet-insurance/guides/average-treatment-costs/
    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
  • skullfunkerryskullfunkerry Frets: 2318


    The price was similar to PetPlan but it included dental which I didn't see any specific mention of with PetPlan, and some of the figures were higher (like the money they'll pay for emergency boarding/repatriation etc).
    Is there a different excess on the dental procedures? I only ask, because most of the dental stuff we've had done with our dogs has been fairly small, like double the excess, to the point where it wasn't worth the hassle of bringing the insurers into the picture. We did check after the fact, though, and it would've been covered by our PetPlan insurance (that was quite some time ago, mind).

     @digitalscream I've just checked and no, it's a flat £99 excess on anything. There was the option of adding an additional excess of a fixed percentage of any claims as well, but I didn't go for that.
    Too much gain... is just about enough \m/

    I'm probably only member of this forum mentioned by name in Whiskey in the Jar

    0reaction image LOL 0reaction image Wow! 0reaction image Wisdom
Sign In or Register to comment.