Pet Insurance

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Pet Insurance

Postby HalfTimePie on Tue May 08, 2018 3:29 pm

I am looking at pet insurance for my dog and never having done this before every time I read something it leaves me more and more confused.

Which type of insurance is the best to have from:
- Accident only
- Time Limited
- Max Benefit
- Lifetime

I would think Lifetime as it seems to be more expensive.

But then I get to the wordings and a few examples are:
"2,000 per policy year subject to a maximum of £500 per condition per policy year"
"£1,000 per condition per year and unlimited for the lifetime of your pet"
"£4,000 per new condition/accident whilst the policy remains in force. Unlimited number of new conditions."
"£3,000 per year - limits reinstated upon renewal"

It goes on! Now I am a bit thick but all I want to know is how do I decide which cover is best for my little dog? Any recommendations would be extremely helpful.

Wouldn't think I actually work for an underwriting firm :P

Thanks! HTP
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Re: Pet Insurance

Postby Upminster Hammer on Tue May 08, 2018 3:48 pm

I looked into all of this last year when I bought mine. In the end I decided to stick 100 pounds a month away in a Hargreaves account.

Unless your dog gets an illness where he needs medication for life I would imagine you will be better off doing something similar.

My understanding was the life time cover just means that the insurer has to honor the renewal however can up the cover cost to what ever they like if they have an illness.

If my dog can go 8 years without needing any treatment I should be quids in.....

"2,000 per policy year subject to a maximum of £500 per condition per policy year" - that would just mean they would cover 4 different conditions a year if they all cost 500 (for example).
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Re: Pet Insurance

Postby HalfTimePie on Tue May 08, 2018 4:19 pm

Thanks mate, makes sense!

My dog being a small cross breed (only weighs around 6kgs) it looks like decent cover could be as little as £10-£15 a month that's why I was looking at that as an option and god forbid he needed treatment in the thousands it would seem worth it for something I wouldn't even notice coming out of my account each month.
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Re: Pet Insurance

Postby davids cross on Tue May 08, 2018 4:36 pm

Yes...

Definitely insure .

I've being doing it for donkeys years and over the lives of a few dogs.

I've always chosen a lifetime cover........usually at around £3,000 - £4,000.

As the dog gets older it will rise.......my dog is 11 and I recently got it changed from £73 p/m to £37 p/m.

I actually accepted a bigger payment from myself towards each treatment..........It helps to keep the monthly insurance down but you will have to pay a bigger payment to the actaual treatment......(it usually goes from about £75 - £200 .that bit you have to pay)

I'm currently with a company called Lifetime Pet Cover. They are winning a few awards and were very reasonable for my 11 year old lickle girl.

Good luck. :thup:
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Re: Pet Insurance

Postby davids cross on Tue May 08, 2018 4:38 pm

P.s You can cancel and change insurers at any time. ......I've never had a problem or buy-out expense. So look around annually or even 6 months to see if there are any better around.
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Re: Pet Insurance

Postby davids cross on Tue May 08, 2018 4:51 pm

If you want someone to help choose.........then just PM me mate.

How old is dog exactly.
What does he weigh in KG
What illness had he had.....(and how many times)
How much did he cost.
Male or female.
Breed.
Colour.
Will he be kept indoors (ie not outside in a kennel)

What do you really want to pay.....what sort of range ?
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Re: Pet Insurance

Postby Phil S on Tue May 08, 2018 5:17 pm

Animal friends were really good

More Than were ok until the dog got older
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Re: Pet Insurance

Postby Burningaham on Tue May 08, 2018 8:19 pm

We’ve got a 3year old English pointer and use petplan via the vets I think. It’s £47 a month, but he’s a big b*stard. I didn’t know it was done by weight as mrs burn sorts it. He might find himself on a diet soon in that case.

Edit.
Mrs burn says they’ve never asked about his weight
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Re: Pet Insurance

Postby HalfTimePie on Wed May 09, 2018 10:56 am

Thanks for all the replies on this! I appreciate it a lot and has really helped.

Still having a look at all the ones mentioned so hopefully should have something in place soon. DC you have a pm too.

:)
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Re: Pet Insurance

Postby davids cross on Wed May 09, 2018 4:00 pm

HalfTimePie wrote: DC you have a pm too.


Returned mate.... :thup:
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Re: Pet Insurance

Postby Francoisvander or else on Fri May 11, 2018 8:36 pm

Isn't it cheaper to get it put down and buy a new one :wink:
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Re: Pet Insurance

Postby mumbles87 on Sat May 12, 2018 7:55 pm

HalfTimePie wrote:I am looking at pet insurance for my dog and never having done this before every time I read something it leaves me more and more confused.

Which type of insurance is the best to have from:
- Accident only
- Time Limited
- Max Benefit
- Lifetime

I would think Lifetime as it seems to be more expensive.

But then I get to the wordings and a few examples are:
"2,000 per policy year subject to a maximum of £500 per condition per policy year"
"£1,000 per condition per year and unlimited for the lifetime of your pet"
"£4,000 per new condition/accident whilst the policy remains in force. Unlimited number of new conditions."
"£3,000 per year - limits reinstated upon renewal"

It goes on! Now I am a bit thick but all I want to know is how do I decide which cover is best for my little dog? Any recommendations would be extremely helpful.

Wouldn't think I actually work for an underwriting firm :P

Thanks! HTP


you want the max per year per condition (life time cover) that you can get.

my dog developed epilepsy this year.. £2000 per year limit and we have almost met it.. turned out £2000 is nothing in vet bills

if he had a MRI (was looking like at one point) thats £3000 ish so would blow our entire limit not including his meds etc

animal friends we with
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