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lee8040
Nearly there...



Joined: 27 Jan 2006
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PostPosted: 05:33 - 06 Apr 2010    Post subject: pet insurance Reply with quote
i've just bought a new puppy. its our first dog and so ive never had pet insurance before. what type of things should i look for included in the policy to cover my dog? some policys do basic, medium and premium levels but not sure id need the premium.

also anyone know any good/cheap pet insurers out there?
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Tonka
World Chat Champion



Joined: 11 Jun 2008
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PostPosted: 07:54 - 06 Apr 2010    Post subject: Reply with quote
Some of the supermarkets do reasonably priced policies - M&S and Sainsburys - I've used Sainsburys and they were very good. My guys are all with NFU now as I have multi insurance benefits.

I think the main thing to look for is continuity of care ie. if you start claiming for a condition during one year's insurance when it comes to renewal time they continue to insure you and not try and exclude this ongoing condition! It's got a special name but I don't have a brain today so can't remember what it's called, sorry!

Other than that look for amounts covered for each separate claim, amount covered for personal indemnity (if puppy bites someone, or causes an accident).

There is one company that is an absolute No No - leave it with me and I'll see if I can find out which one. Stinkwheel is a good person to help on this one as he deals with them from a different side and must see lots of different claims and companies - hopefully he'll be along to help!
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jay12329
Dr. Evil



Joined: 02 May 2003
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PostPosted: 08:39 - 06 Apr 2010    Post subject: Reply with quote
My MIL works in a vet and told us we needed the ongoing care thingy as mentioned by Tonka.
Pet plan are meant to be very good (who we have our cat with) but Tesco are also good at paying out quickly and easily from the vets point of view.
HTH

J
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t121anf
World Chat Champion



Joined: 23 Feb 2007
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PostPosted: 09:38 - 06 Apr 2010    Post subject: Reply with quote
waste of money imo.

put what you plan to pay for the premium in a pot/under the bed/in a bank account and just save for that jsut in case.

got 2 cats, had a dog previously and neither has required a vet yet.
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WishayKillie
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Joined: 15 Mar 2005
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PostPosted: 13:30 - 06 Apr 2010    Post subject: Reply with quote
t121anf wrote:
waste of money imo.

put what you plan to pay for the premium in a pot/under the bed/in a bank account and just save for that jsut in case.

got 2 cats, had a dog previously and neither has required a vet yet.


https://www.petplan.co.uk/therightcover/dog.asp

My dog is with Pet Plan and is on the Covered for Life Pet Plan. It covers him for vet bils up to 12K a year. It's about £30 a month.
They have been fantastic so far with payouts and information.
We were unlucky that he got a wee urine infection when he was 5 months old so the tablets and visits to the vet we just claimed for. Only thing was the excess that was about £40 I think.

We had a big claim to make as it was discovered that he had Hip Dyslapsia and he had to get TPO surgery at a specialist in Fife. There were a few complications and he was in the vets up there for about 2-3 months. All in that surgery (which I never gave a second though to doing after the consultation) amounted to around £6000. Pet plan payed out straight away with no questions asked.
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Tonka
World Chat Champion



Joined: 11 Jun 2008
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PostPosted: 14:36 - 06 Apr 2010    Post subject: Reply with quote
t121anf wrote:
waste of money imo.

put what you plan to pay for the premium in a pot/under the bed/in a bank account and just save for that jsut in case.

got 2 cats, had a dog previously and neither has required a vet yet.


I think that although it shouldn't be, having insurance for a dog is a sign of the times. If your dog should even knock someone over and they hurt themselves they can and will sue you for negligence. This could cost you your home in an extreme case. If your dog escapes from your garden, back of the car or it's collar snaps etc. and it causes a traffic accident, you will be held responsible - you cannot just make a mistake Rolling Eyes It's not just for Vet bills these days.

I think this was made clear to me as a friend's Golden Retriever jumped up at someone and knocked them over. They broke their wrist badly and the friend was sued. They didn't have insurance and it was a complete nightmare for them. Folk are no longer content that 'accidents happen' - there are no accidents anymore, there is always someone at fault and therefore to blame.
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LordShaftesbu...
World Chat Champion



Joined: 03 Sep 2008
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PostPosted: 15:48 - 06 Apr 2010    Post subject: Reply with quote
Seriously, does one quick injection really cost all that much?
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t121anf
World Chat Champion



Joined: 23 Feb 2007
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PostPosted: 16:02 - 06 Apr 2010    Post subject: Reply with quote
Tonka wrote:
t121anf wrote:
waste of money imo.

put what you plan to pay for the premium in a pot/under the bed/in a bank account and just save for that jsut in case.

got 2 cats, had a dog previously and neither has required a vet yet.


I think that although it shouldn't be, having insurance for a dog is a sign of the times. If your dog should even knock someone over and they hurt themselves they can and will sue you for negligence. This could cost you your home in an extreme case. If your dog escapes from your garden, back of the car or it's collar snaps etc. and it causes a traffic accident, you will be held responsible - you cannot just make a mistake Rolling Eyes It's not just for Vet bills these days.

I think this was made clear to me as a friend's Golden Retriever jumped up at someone and knocked them over. They broke their wrist badly and the friend was sued. They didn't have insurance and it was a complete nightmare for them. Folk are no longer content that 'accidents happen' - there are no accidents anymore, there is always someone at fault and therefore to blame.



glad i don't have a dog then,

shame though that people think a dog needs insurance more so than cyclists and pedestrians
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chris-red
Have you considered a TDM?



Joined: 21 Sep 2005
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PostPosted: 16:29 - 06 Apr 2010    Post subject: Reply with quote
We have had our dog 9 year and has never *grabs wood* needed anythign major at the vets.
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Old Thread Alert!

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