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Pet Insurance
Topic Started: Nov 8 2007, 12:45 PM (390 Views)
zandd	Nov 8 2007, 12:45 PM Post #1
Moderator Posts: 22,625 Group: Moderators Member #48 Joined: February 5, 2005	As this is a frequently requested topic thought I'd pin this and people can add who they use - and who they wouldn't use in future. But remember you need to check out each company to see that what it offers is suitable for your circumstances.
ClaireS	Nov 8 2007, 01:42 PM Post #2
Moderator Posts: 10,446 Group: Moderators Member #113 Joined: September 8, 2005	Here are links to two previous threads on Pet Insurance, hope they are helpful! Any comments / replies best kept in this thread now ;) Insurance Thread 1 Insurance thread 2
Mattie	Nov 8 2007, 02:08 PM Post #3
One of the regulars Posts: 317 Group: Full Members Member #140 Joined: November 27, 2005	I have mine with Direct Line and can't fault them. Since Bill passed away my bank doesn't seem to be able to cope with the change and cancelled the direct debit for this and several others. This should have cancelled the insurance but it hasn't, as long as I get it up to date, it will still stand. When I phoned the bank about this, I was told that the person who normally deals with my account wasn't in and the lady I spoke to couldn't understand why my direct debits had been stopped, there is over £500 in that account which shouldn't be there if the direct debits had been paid. I use this account for direct debits only and the money is put into that account by that bank. :x:
zandd	Nov 8 2007, 08:46 PM Post #4
Moderator Posts: 22,625 Group: Moderators Member #48 Joined: February 5, 2005	Finally got back on.I'm with Sainsburys, I was with them for Zico and the best thing then was the fact that apart from a small annual increase - a few pence - I was paying pretty much the same when he was 16 as when he was 8.I pay £11.11 for Daisy and £12.10 for Duncan - discount for second dog. There's an excess of £50.00 per claim which means of course I have never actually claimed for either of them.There is a limit of £7500 on a condition though and once that's been paid they won't insure the dog for that condition.Personally I think that's high enough,I would seriously consider whether my dogs should be receiving treatment that would be costing that much.I did wonder about stopping the policies as Borders are pretty healthy dogs but there's always the possibility - god forbid - of accidents happening and even a simple fracture can be pretty expensive to treat nowadays.Plus there's the third party which I consider vital and things like paying for kenneling if I ever need hospital treatment etc so I'll stick with paying the monthly premiums.
JRT	Nov 8 2007, 08:53 PM Post #5
Admin Posts: 11,786 Group: Admin Member #1 Joined: November 30, 2004	I'm with Tesco and will add Hamish on some time soon. The policy is pretty much the same as yours Lynne, I pay £9 something for Yoyo. When I had Holly on it too, I paid £16.50 a month.
zandd	Nov 9 2007, 10:32 AM Post #6
Moderator Posts: 22,625 Group: Moderators Member #48 Joined: February 5, 2005	Nuts was talking just this morning with owner of a Springer Spaniel I often meet up with in the morning and she said she's with Sainsbury's too and her premiums have rocketd from £14.00 to £28.00 now Heidi is 13 :angry: I seriously couldn't afford almost £60.00 a month for my two and who knows what it will go up by the time they reach that age anyway :err:
barney	Nov 24 2007, 11:37 AM Post #7
Squeaker Posts: 23 Group: Members Member #552 Joined: October 17, 2007	One thing you might want to consider, when looking at the numerous policies for pet insurance, is the option to take out "cover for life". This means that should your dog contact an illness that requires medical treatment for the rest of its life, the insurance company will pick up the bills and continue the cover. Some insurance companies may decline cover on renewal, if your dog requires lifetime treatment. I have both Oakley and Otto covered for this with Pet Plan. When I insured Oakley the first months premium was free, two days later he had campyler bacter (food poisioning) :o . Cost of treatment £743. The thing that impressed me was I gave the vet the claim form, they completed it, set it off to Pet Plan and all I had to pay was the excess. On renewal the premium stayed the same. I took out Otto's insurance a month ago. They gave me the first 2 months free and a discount for having both dogs insured with them. Pet Plan may not be the cheapest but they certainly provide a first class service. Its worth shopping around, but read the small print. Want you dont want is for the insurance company to decline renewal if you dog developes a long term or life time illness as you will find it expensive if not impossible to find a new insurance company to take on this life time treatment. You pay for what you get. IMO some insurance is better than no insurance.
zandd	Dec 4 2007, 09:38 AM Post #8
Moderator Posts: 22,625 Group: Moderators Member #48 Joined: February 5, 2005	There have apparently been major changes to M&S policy including a totally bizarre requirement not to call out your emergency vet without calling their helpline first. I'm not with them but here's a link to a DP thread that I think anyone with M&S should check out.
ClaireS	Dec 4 2007, 09:44 AM Post #9
Moderator Posts: 10,446 Group: Moderators Member #113 Joined: September 8, 2005	Thank you for pointing that out :unsure: will read in detail at lunch!
JRT	Dec 10 2007, 05:37 PM Post #10
Admin Posts: 11,786 Group: Admin Member #1 Joined: November 30, 2004	A question for you! I haven't yet added Hamish onto the insurance policy I have. I was just about to when it occurred to me... Will they ask me if he is a pedigree? Do I reply yes, because he's not really is he? He has no papers and nothing to say that he is 100% Westie (even though I know he is :lol: ) If I say yes, will they charge a premium? :unsure:
zandd	Dec 10 2007, 05:42 PM Post #11
Moderator Posts: 22,625 Group: Moderators Member #48 Joined: February 5, 2005	Daisy is regarded as a pedigree despite having no papers - think anything that's a recogniable breed is a pedigree as far as Insurance companies are concerned :rolleyes:
ClaireS	Dec 10 2007, 05:44 PM Post #12
Moderator Posts: 10,446 Group: Moderators Member #113 Joined: September 8, 2005	If your vets have him down as a Westie then you need to put the same thing on his insurance. I think its so they can factor in breed-related health problems. I'm sure you realise this, but I had the problem with Archie - once a vet has diagnosed 'skin problems' you won't get any insurance company to pay out for the treatment :( Maybe run a few searches for him as a westie and see which is the best deal?
zandd	Mar 20 2008, 09:20 PM Post #13
Moderator Posts: 22,625 Group: Moderators Member #48 Joined: February 5, 2005	Just got Daisy's renewal in - and it's gone from £11.11 to £18.33 a month :angry: Anyone know anything about AXA - who underwrite the Sainsbury policy anyway.Just done an online quote and for Daisy they are quoting £14.73 - and with a better cover.Saisnburys only pay up to £6500 per condition over the dogs lifetime,AXA £7000 per year.
Marean	Mar 20 2008, 10:01 PM Post #14
Total Gas Bag! Posts: 4,411 Group: Full Members Member #172 Joined: January 16, 2006	More Than pay up to £7,000 for every injury and illness.
zandd	Mar 25 2008, 12:51 PM Post #15
Moderator Posts: 22,625 Group: Moderators Member #48 Joined: February 5, 2005	Anyone know anything about Healthy Pets???? Their on-line quote is cheaper for 2 than just Duncan's with Sainsbury :o Cover is up to £5000 per condition. Really don't know what to do.Phoned AXA,they won't cover for ANY condition already treated by a vet which means if Daisy gets another ear infection they won't cover for that - nor if she needs an operation in the future. :(
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