Insurance

Hi all,

I've got 4 weeks free insurance with kc but only got a week left and don't want to use kc after this as it will be very expensive so was wondering what's a good one that's not 50 quid a month like kc want !!!! Any help appreciated

I've just paid around £20 each for my 2 from Pets at Home (online ) , Ella was cheeky and she called them up and got a bit more off but it's a good policy

http://www.petsathome.com/petinsurance/doginsurance


EDIT JUST CHECKED - review this at your own leisure , when I took the policy (just over a couple of months ago) this policy was called Lifetime extra and ha d £75.00 excess, now it is called Premium plus and is a £75 excess PLUS 10% of the vets bill, not so good in my book . If the old policy is not available next year I will not be renewing with them !!

I'm with http://www.animalfriends.org.uk/ but have never had to claim, thankfully.

Thanks both, pets at home is 26.40 but better than kc!! animal friends I couldn't see any theft cover.

villain1973uk wrote:Thanks both, pets at home is 26.40 but better than kc!! animal friends I couldn't see any theft cover.

I have just edited my original post as their policy has changed , I think you can get better

Look for

Lifetime of illness and as much of a per year sum as you can afford , ops can be so expensive these days.

Ok thanks

We have insured Rocky with Argos Pet Insurance on a Lifetime policy. The premium is £15.24 per month.

We were previously with PetPlan who wanted £22.50 per month for the same cover.

With Argos we went for the Platinum Policy which should pay out £7,000 in vet fees, £2 Million in 3rd Party Liability and with £65 excess per incident.

Hope this helps.

kathytake2 wrote:We have insured Rocky with Argos Pet Insurance on a Lifetime policy. The premium is £15.24 per month.

We were previously with PetPlan who wanted £22.50 per month for the same cover.

With Argos we went for the Platinum Policy which should pay out £7,000 in vet fees, £2 Million in 3rd Party Liability and with £65 excess per incident.

Hope this helps.

That sounds like a decent policy , I have 9K per year for lifetime but for £20 each dog but as I say above they have changed their policies in the last couple of months . When I checked Argos for ours it was more expensice , maybe the area ??

I am with pets at home and i pay £27 altogether for my boys, so it does pay to ring up and be cheeky

Thanks all

Dave wrote:

kathytake2 wrote:We have insured Rocky with Argos Pet Insurance on a Lifetime policy. The premium is £15.24 per month.

We were previously with PetPlan who wanted £22.50 per month for the same cover.

With Argos we went for the Platinum Policy which should pay out £7,000 in vet fees, £2 Million in 3rd Party Liability and with £65 excess per incident.

Hope this helps.

That sounds like a decent policy , I have 9K per year for lifetime but for £20 each dog but as I say above they have changed their policies in the last couple of months . When I checked Argos for ours it was more expensice , maybe the area ??

Could be, also Rocky is a Staffy cross and insured as so, maybe this makes a difference too.

I use Sainsburys premium. £75 excess for £7500.00 per condition for life. That costs me £28 per month, BUT that's because I claimed around £4000 last year! The first year's premiums were only £14 per month. Mind you, all the insurance companies have put their prices up this year.

Sainsbury's paid out without quibbling & very quickly.

kathytake2 wrote:Could be, also Rocky is a Staffy cross and insured as so, maybe this makes a difference too.

which is best xx £ per condition for life or xx ££ per year total for life (in the event of multiple conditions ??

I'd never go for ££ per year - if your dog developed an ongoing condition (diabetes for example) the policy would only pay out for the first year - then you wouldn't be covered by that insurance company any more, but you wouldn't be covered by any insurance company because it would be a pre-existing condition!

££ per year for life is good, but is usually very expensive. ££ per condition for life is generally the best (economically) one to get.

The ladies who do the insurance claims at my vets recommend AXA so my 4 are all with them. They vary in price from £10.50 to £15 depending on the age of my dog. The are insuired for £7000, this starts fresh every year but I also have to pay the excess every year as well. They have recently paid out £300 for x-rays and £2, 000 for an MRI scan, the cost to me was £75.

I used to be with Direct Line with several of my other dogs but they paid out so much for my dogs that I didn't have the nerve to go back. The limit was £6,000 per item, both Merlin and Ellie when over this, they paid out for both Merlin and Gracie to have hydro weekly for 2 years. Unlike AXA the insurnace continued from year to year so I only had to pay one excess of £80.

Policy benefits
Veterinary fees £7,000 Per period of insurance
Third party liability £2,000,000 Per incident
Emergency boarding kennels and cattery fees £100 (max £750) Per week
Daily minding £100 (max £750) Per week
Advertising costs £1,000 Per incident
Theft or straying £750 Per incident
Death caused by illness up to £1,000 Per incident

Anygood as its only 13.46 per month

villain1973uk wrote:Policy benefits
Veterinary fees £7,000 Per period of insuranceThird party liability £2,000,000 Per incident
Emergency boarding kennels and cattery fees £100 (max £750) Per week
Daily minding £100 (max £750) Per week
Advertising costs £1,000 Per incident
Theft or straying £750 Per incident
Death caused by illness up to £1,000 Per incident

Anygood as its only 13.46 per month

I wouldn't be happy with the Veterinary fees cover as it's per period of insurance - that normally means that you're only covered until the end of that year's policy - not beyond.

Ah really, thought it was to good.

Up to £7,000 Vet fees per condition for the length of treatment
vetfone – 24 hr free phone vet helpline
Up to £2million dogs owners
third party liability
0% APR when you pay monthly
Online discount included
Up to £1,250 holiday cover
24 hr Pet bereavement helpline
Up to £600 for Advertising & Reward
Up to £600 upon death / loss by theft
Up to £600 towards kennel / cattery fees
Excess - £70 + 10% of the rest of the cost of the veterinary treatment

The 10% excess seems alot... Good deal or not

villain1973uk wrote:Up to £7,000 Vet fees per condition for the length of treatment
vetfone – 24 hr free phone vet helpline
Up to £2million dogs owners
third party liability
0% APR when you pay monthly
Online discount included
Up to £1,250 holiday cover
24 hr Pet bereavement helpline
Up to £600 for Advertising & Reward
Up to £600 upon death / loss by theft
Up to £600 towards kennel / cattery fees
Excess - £70 + 10% of the rest of the cost of the veterinary treatment

The 10% excess seems alot... Good deal or not

If you went with this one how much is the premium ?? as the PAH one is the same only you get 9K of cover every year and the condition is payable for the lifetime, with this once 7K has been paid on any 1 condition that's it no more fees,. You would hope that this would not happen but if the dog developed a long term illness you could have problems.

You really need to find one with a high "per year" limit that will cover conditions for their lifetime and ask no contributioon other than the excess, though for most policies the excess would be payable every year and for every condition , I think that is quite normal

Thanks for that I'll look at PAH again

Summary
Premium: £293.24 Total Excess: £75.00
    Included: Boarding Fees Cover (£1,000) Death by Accident Cover (£750) Death by Illness Cover (£750) Lost or Stolen Cover (£750)
Benefits
• Up to £7500 cover for each separate illness or injury for the lifetime of the pet
• Up to £1 million third party liability (dogs only)
• Up to £750 towards holiday cancellation costs
• Up to £750 towards advertising and reward
Policy wording»
Protect Your Bubble is arranged and administered by BDML which is authorised and registered by the Financial Services Authority (FSA) under FSA number 309140, registered address is 1000 Lakeside North Harbour, Western Road, Portsmouth, PO6 3EN

This one anygood

villain1973uk wrote:Thanks for that I'll look at PAH again

Sorry I was just giving you an example not recommending them , as I say the policyt that I got no longer exists, try Tesco, Sainsburies, Direct Line and Argos, maybe also John Lewis as Caryll suggests

For this first year of insurance, I've just taken out a standard policy that covers a high amount but only for this year. This is because I've been advised that the first couple of years for any pup usually mean they get into trouble rather than have ongoing issues. The cover was higher per 'accident/incident'.

I'll look into the life long cover rather than annual cover (in the next couple of years - I think).

tesco....i pay 28 pounds a month
excess £60.00
£7500 per condition for life
1 million 3rd party cover (a must in my eyes)

have always paid out no problem and will pay direct to the vet so no big bills for me

Leicsblondie wrote:For this first year of insurance, I've just taken out a standard policy that covers a high amount but only for this year. This is because I've been advised that the first couple of years for any pup usually mean they get into trouble rather than have ongoing issues. The cover was higher per 'accident/incident'.

I'll look into the life long cover rather than annual cover (in the next couple of years - I think).

only Trouble with this is if your pup injures his leg now you will not be able to change insurance company if you want to carry on insuring the leg i.e companies will not insure for pre existing conditions or pre existing injuries , this is why i can never change from Tesco as he had an injury to his leg and his skin conditions , these things with any one else would not be covered

Oh... so if she breaks a leg, and then breaks the same leg doing something different and the break is in a different place (ie, it's not a reoccurance of the original break) I'm not covered?

I might have to check out the small print... This is not how I understood the cover to be!

roz w wrote:tesco....i pay 28 pounds a month
excess £60.00
£7500 per condition for life
1 million 3rd party cover (a must in my eyes)

have always paid out no problem and will pay direct to the vet so no big bills for me

Is that 7500 per condition , or per condition per year ??

it is per comdition for life but i have just been to argos and they use the same underwriters .i..e the royal sun and alliance and they seemed to be really good , with their platinum it was 7500 vet fees per year which to me seems really good ,2 million 3rd party and lots of other good coverage , if i could i would have changed to that

and as for the other half of your question if Trouble did his cruciate with one insurance and i then changed that leg would not be insured with another company , and dont think you can get away with not disclosing cos they can check ...so in IMO it really is worth doing your research and make sure you get everything covered ....if you have pots of money then it is not such a worry to not have such huge cover but if like me struggling a bit then it is worth having the maximum cover

Leicsblondie wrote:Oh... so if she breaks a leg, and then breaks the same leg doing something different and the break is in a different place (ie, it's not a reoccurance of the original break) I'm not covered?

I might have to check out the small print... This is not how I understood the cover to be!

If she breaks a leg & you claim off the insurance, then anything to do with that break in future will be considered a pre existing condition. If she then broke the same leg but in a different position, totally unrelated to the first break then it's a new condition.

kathytake2 wrote:We have insured Rocky with Argos Pet Insurance on a Lifetime policy. The premium is £15.24 per month.

We were previously with PetPlan who wanted £22.50 per month for the same cover.

With Argos we went for the Platinum Policy which should pay out £7,000 in vet fees, £2 Million in 3rd Party Liability and with £65 excess per incident.

Hope this helps.

I have the same policy as this for bode, it has all the cover I wanted at a better price than any other I could find