INSURANCE

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INSURANCE

Post by MarcoLondon on Thu Mar 08, 2012 11:18 pm

Hi there...

Which insurance should I get for my puppy?
I have been advised to get Direct Line, which quoted me 13 pounds per month...
Any idea/advice?

Also... is this worth now that she is going home at 8ish week of age?

Thanks for your time!
M

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Re: INSURANCE

Post by Guest on Thu Mar 08, 2012 11:27 pm

definitely insurance is a must. I took the premium insurance with Direct Line , had a small claim when Tilly hurt her leg at 12 weeks !

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Re: INSURANCE

Post by steve76 on Thu Mar 08, 2012 11:30 pm

i'd say insurance is worth while no matter the age. your pup could swallow something it shouldn't or lick something that could cause it to become ill,. the peace of mind for a few pounds a month is worth while

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Re: INSURANCE

Post by Guest on Fri Mar 09, 2012 12:39 am

My oh didn't want to bother with insurance but I insisted. £5000+ in vets bills later, he agrees with me!

I went through M&S and then Sainsburys. Both paid out without a problem although M&S wanted a huge hike in the premiums on renewal, hence the change to Sainsburys.

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Re: INSURANCE

Post by MarcoLondon on Fri Mar 09, 2012 5:50 am

Thanks guys...
I was told that Sainsbury and the likes are less convenient than Direct Line because you must pay upfront the bill and then claim the reimburse... instead Direct Line would pay straight away...
Do you confirm?

Thank you

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Re: INSURANCE

Post by Guest on Fri Mar 09, 2012 5:54 am

I think even then it depends on the Vet , ours is fine but many will refuse for smaller stuff, but ultimately we claimed and they paid without any arguing at all so tried and tested with Direct Line. I thinkk Pet Plan is probably te best but also the most expensive and doesn't neccessarily warrant the higher premiums, our old boy was with pet plan and on regular treatment but we got him at 7 and once we had problems he was 8 so no other company was interested in tsking him on

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Re: INSURANCE

Post by Guest on Fri Mar 09, 2012 8:15 am

Insurance is definagtely worth it

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Re: INSURANCE

Post by Guest on Fri Mar 09, 2012 8:16 am

MarcoLondon wrote:Thanks guys...
I was told that Sainsbury and the likes are less convenient than Direct Line because you must pay upfront the bill and then claim the reimburse... instead Direct Line would pay straight away...
Do you confirm?

Thank you

All the insurance companies (the decent ones) will pay the vet direct! BUT some vets won't do a direct claim. Ask your vet about their claim policy - at what amount will they do a direct claim & will they charge you a small admin fee (most will)?

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Re: INSURANCE

Post by Kathy on Fri Mar 09, 2012 8:28 am

Yes definatly go for insurance, we wouldn't be without it. We are with Argos.

This link may be worth a read.

http://staffy-bull-terrier.niceboard.com/t14803-insurance


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Re: INSURANCE

Post by Rob on Fri Mar 09, 2012 4:52 pm

I wouldn't worry so much about who the insurance company is (the company may not be the underwriters in most cases), but more the type of cover your looking for.

I'm also with Argos.

For me the excess was a minor issue, I didn't want it too high, but can always lay my hands on money up front.

What I wanted was a lifetime cover for a reasonable cost and a good annual cover of £7000.

If you can, I'd suggest avoiding covers that are very cheap per month but offer limited time and low value cover, you might as well not bother.

On the other side, my parents have never had insurance, perhaps they have been lucky, dog lives 14 years, costs them perhaps £1000 in its last year., cheaper than 14 years of insurance payout never used, but a risk...

They now have insurance since getting a staffy too having seen there is possibly more chance of it injuring itself due to their very playful and almost fearless play lol

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