Dog insurance.

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vickster

Squire
For cats but I wouldn't use anything other than PetPlan's lifetime policy having looked at the Ts & Cs, yes it might cost a few more quid a month but nothing compared to the overall cost of managing a chronic lifelong condition with other policies that stop covering pre-existing. My cat who lived to 17 had EPI and IBD for over 10 years which needed frequent treatment and latterly insulin-dependent diabetes before he passed away. Probably several thousand in vets bills every year. I've never had a PP bill refused and they pay out within a week or so (many vets will also settle directly with them).

PetPlan cover dental other than routine cleaning (most cats will need an extraction once their teeth are at the cleaning state anyhow)

Another friend of mine's little Havanese dog has needed both ACLs reconstructing, about 15K all together, moistly covered by insurance (PetPlan I beleive)

My brother covers their large young rotti-staffi through Tesco fwiw - use one of the comparison sites to compare policies (do not just go on cost). A small mutt will cost far less to insure than a purebreed or indeed a large mutt!

I did shop around before going back to PP for the new cat, many other companies are sneaky as they don’t cover the whole claim (often only 80%) as well as having an excess per condition (PP only do this when the animal is much older), so although the premium may have been a fiver less a month, any £1k claim (very very easy) would have cost £200 plus the excess
 
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Psamathe

Über Member
6 years ago now but I found Tesco pet insurance worked well.

Although very obedient dogs, mine were Border Collies and I was mostly wanting 3rd party insurance but for most of their lives went with full cover. As they got older so premiums rocketed and became quite unjustifiable so I switched to 3rd party only.

Only claimed once when one of mine suffered an ACL complete rupture which was even then an expensive operation. I asked vet about claiming and she said it wouldn't be covered under my policy but would happily submit the claim "just in case". And they paid full amount without any questions.

So limited claims experience my main thought is to expect premiums to rise massively as your dog gets older.
 

Psamathe

Über Member
I think it's insurance policies that help push UK vet bills to be so ludicrous.

When I lived in France I got another Border Collie puppy from a French breeder. Took her to vet for all the vaccinations, then took her in to be spayed. Then emergency call-out on Sunday lunchtime for other border collie with a bad tear across achilles tendon. Then dew claw ripped on now 8 month old puppy eventually needing full operation to cut out damaged "finger" bone". Then went to vet to "I think I must owe you some money by now". They thought, did some math and ... yes €50. Fortunately I knew enough swear words in French to express my opinion and after some debate I managed to increase the bill to €80 - which was quite ludicrous and in UK would not even cover the Sunday lunchtime emergency call-out let alone course of vaccinations (incl. rabies), spaying, dew claw, etc.
 

wormo

Guru
Location
Warrington
Our Border Terrier insured through Kennel Club. WE had Petplan for our cats, no complaints, paid up when required. Would always have insurance especially as vet fees have gone through the roof.
 

tom73

Guru
Location
Yorkshire
I think it's insurance policies that help push UK vet bills to be so ludicrous.

When I lived in France I got another Border Collie puppy from a French breeder. Took her to vet for all the vaccinations, then took her in to be spayed. Then emergency call-out on Sunday lunchtime for other border collie with a bad tear across achilles tendon. Then dew claw ripped on now 8 month old puppy eventually needing full operation to cut out damaged "finger" bone". Then went to vet to "I think I must owe you some money by now". They thought, did some math and ... yes €50. Fortunately I knew enough swear words in French to express my opinion and after some debate I managed to increase the bill to €80 - which was quite ludicrous and in UK would not even cover the Sunday lunchtime emergency call-out let alone course of vaccinations (incl. rabies), spaying, dew claw, etc.

For vaccinations our vets offer a "vac for life" deal for one off £120 all our dogs yearly vaccinations got covered.
 

vickster

Squire
I think it's insurance policies that help push UK vet bills to be so ludicrous.

When I lived in France I got another Border Collie puppy from a French breeder. Took her to vet for all the vaccinations, then took her in to be spayed. Then emergency call-out on Sunday lunchtime for other border collie with a bad tear across achilles tendon. Then dew claw ripped on now 8 month old puppy eventually needing full operation to cut out damaged "finger" bone". Then went to vet to "I think I must owe you some money by now". They thought, did some math and ... yes €50. Fortunately I knew enough swear words in French to express my opinion and after some debate I managed to increase the bill to €80 - which was quite ludicrous and in UK would not even cover the Sunday lunchtime emergency call-out let alone course of vaccinations (incl. rabies), spaying, dew claw, etc.

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