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not sure whether to get my dog insured or not. do people think its worth it. hate paying all differant types of insurance, dont think ive ever made a claim.
My friend was VERY glad of it when her dog got sick.
The bills were in hundreds of pounds - several times.
My daughter's lab puppy got diagnosed with a dodgy leg needing an operation the dog was less than 6 months old and the Operation would have cost thousands she was lucky she had taken it out.
Mum had her collie insured. When she fell ill before she died, there were lots of tests and a couple of operations, I know the costs mounted up. Unfortunately, Mum still had to pay out lots of vet fees during the course of the collie's life, as she had a habit of biting neighbourhood dogs.
Then again, the scruffy but lovely mongrel we had as kids went to the vets once (not including his puppy jabs) during his life and then a final trip when he went to the great park in the sky.
...there is nothing much cheaper than a hessian sack, a bit of string, some bricks and a canal bridge.
I dont have pets, my parents have insurance. Very pleased of it.
Friend of mine owns a vets...lots of 'customers' wish they had it......
yes worth it for all the reasons mentioned already. However do make sure you get the right cover. Some policies have limits on the amount per claim and only for a year - this is okay if you have a younger dog but once they suffer with arthritis this is something that will go on over a year and then you cant claim! No other insurance will take on a existing condition so you are stuck... Best to make sure you are covered for all claims and no time limit, it make cost more but worth it.
Deffo worth it, Madlot. Petplan was particularly good, though it's been a few years since I've needed it. Shortly after getting my rescue cat (I mean a cat that had been rehomed, not a cat with amazing superpowers ), he developed a UTI, then had to have an op on his bladder - the insurers paid out straight away.
Likewise, my mum always had her dogs insured - it's only a couple of quid a month and it's definitely worth it. You never know when the little feckers are going to decide that elastic bands and nails are tasty.
We lost our Westie a couple of years ago to liver desease/diabetes/and other ailments. Thankfully our vets claimed directly off our insurance so we didn't have to do the claim forms ourselves...I dread to think how much it all eventually cost till we had him put to sleep.
FB...we too were asked by our vet for a referral to the RVC at Liverpool...we declined because the poor lad was suffering enough and we didn't want to be parted from him...the vet did not persist and acknowledged that our dog was fading quite fast and accepted our decision.
just had a look on petplan, top cover was £35 a month! next down was £25.
Now say the dog lives 15yrs, thats 45 hundred quid at best!
Not cheap is it. its cheaper to insure my mrs in a merc!
I do love im though, so i think i will.
need to shop about a bit i think, any ideas what a sensible level of cover would be? hes 4 months old and very fit
I've just recently shopped around for pet insurance, you definitely can't beat having it there for when you need it.
I went for Argos in the end as it seems like plenty of people were insured with them and had good things to say about them, plus they were reasonably priced. Some companies will charge crazy amounts, Petplan included.
How old is the dog? Insurance companies won't pay out for pre-existing conditions just in case you weren't aware. Also bear that in mind for when choosing a company, pick one that you can stick with long term, as once you've made a claim for something you can't really move to someone else.
Some people don't go for insurance, instead just put money aside. Treatments can go into the thousands so it's not worth the risk.
Also go for lifetime cover. If your dog gets a long term condition you want to make sure the insurers will pay out for continous treatment.
Fine when younger, but it can get very expensive as they get older, even if they have no history of illness. Last renewal Tescos wanted over £60 a month for our cat and dog, despite both having been insured for at least 9 years without claim, and with a £250 excess. I cancelled the cat's insurance as we'd already decided that we won't be putting her through anything serious because she's so old. And no point getting other quotes when they're old - the quotes were no cheaper from other companies as they simply don't want to insure old animals.
In retrospect if we'd put all the premiums we've paid into the bank we'd have had quite a decent fund to treat them both with in their old age.
kittenkat wrote (see)
When we lost our last dog, they wouldn't pay the full price for her death as we had got her spayed. They argued that she was worth less because of that. FFS, how stupid and insensitive.
You had insurance that paid out on the death of your pet?
Wilkie wrote (see)kittenkat wrote (see)
Wilkie wrote (see)
I've never had a pet that needed insuring, so no experience of this, but it seems a strange idea to me that you would get a pay-out for the death of your pet.
I have never bothered with pet insurance. Yes that means I have been stung a few times with relatively big bills - last and biggest one was £500 when our Staffy had to be put to sleep before Christmas (had a few tests etc first and he was ill on Sunday night so it's £100 just to walk through the door). That said he was coming on for 16 years old and that was the only medical treatment he'd had apart from puppy vaccinations - to have had him insured all his life would have cost over 4 grand at today's rates.
As we had two staffies up until a couple of years ago that's 8 grand over 16 years - we haven't spent a quarter of that in vets bills and to be honest if they had had conditions costing 8k to cure/alleviate I could have lived with myself having them put to sleep.
My advice would be if you want the security of knowing you can cover it stick the money in some kind of savings account and 99% of the time you will end up well in profit. Otherwise you just have to live with the fact that if your pet gets a conditiont that would cost more than you were willing to pay then you would lose it - I think it's more important that you give your pets a good happy life than have the means to keep them alive at all costs.
We're in the 'monthly savings scheme' camp too with ours .. although part of the reason for this is that quite a few companies won't insure my little babies due to their 'unknown native bloodlines' and those that will, jack up the premium just because they are big wolfy looking dogs, and are therefore obviously destined to go on a crazed killing spree at some point. (for a small fee I could ask them to do targetted requests when the inevitable rampage happens .. just send photo and current whereabouts of target ).
We've also been hit by the big vet bill (see other thread) but it just meant we covered it however necessary (no holiday that year!!!).
Also I tend to find that most policies are so wrapped up with caveats and get out clauses that they actually cover very little except for the most serious of cases.
I weigh up insurance by saying "If the worst happens, can I afford it?". Consequently I don't bother with boiler cover etc.
Could I afford the bill if my dog ran out into the road causing a lorry to swerve into a house? Probably not, hence I get insurance.
Chubby I think some house insurance policies offer 3rd party liability for pets - not sure if this is universal or not but it wouldn't be worth getting pet insurance just for that eventuality when you could effectively get it for nothing or next to nothing when bundled in with an insurance you may already have. This came up last year as the Labour govt was talking about making 3rd party insurance for dogs compulsory.