Pet insurance

Hi guys who's the best for pet insurance? Every time I look I just get bogged down with not really understanding what the best policy is!!!! Help plz.




Post moved to Staffy Insurance

ive just signed up with Tesco pet insurance.. less jargon than the rest and offered the best insurance i could find for price... Not bad

I use http://www.animalfriends.org.uk/ for my dogs

Never had a problem with them

I used tesco with my last dog and thought they were great till i went to claim then a major pain in the bum

rescuestaffords wrote:I use http://www.animalfriends.org.uk/ for my dogs

Never had a problem with them

Thats who I am with and they where really good, even though I stupidly have the minimum cover they paid it out no probs.

What you need is a lifetime policy, so for example when I used it for Moo, the max they paid out per condition was £500, now they have paid that they, or any other policy will never insure me for her joints again (all further treatment is up to me £££). Where as life time will pay out x amount for the condition in a year, but will pay that again next year Xx

I just went onto animal friends to get a quote for marley, and for the one with lifetime cover of i think £20,000 its £32.89 a month does this sound about right my hubby thinks it sounds very expensive i dont really mind paying it as its worth it if something bad happens but is this about what everyone else would expect to pay for a five and a half month old pup x

£32.89 seems a lot to me, have you tried comparison websites, if you know what your looking for ie lifetime cover it can really help

After perusing comparison web sites for hours, I eventually went for Direct Line whole Life insurance. It costs me £18.45 per month.

It has a pretty good top limit (can't remember the details right now) and they paid out over £500 within 6 weeks of my pup visiting the emergency clinic in the middle of the night, without quibble. They're worth a look.

My hubby and I will be doing this tomorrow for Rocky, we usually look at Compare the Meerkat and get the free toy.

We were with Argos who wanted to up the price from £15 per month to £19. Will be looking elsewhere.

i wish they offered pet insurance in my country, but they dont. i absolutely hate it. i dont think there are any agencies that offer it internationally either.

Just gone through direct line but cant see anywhere is it a lifetime policy??

Oh dear Jordan, that is a problem. I'm guessing you've tried searching on the net and in the USA as well?

If you can't get pet insurance in Bermuda at all, than I can only suggest that you put aside a monthly sum into a seperate account, for use IF needed. At worst it will help if you need a vet, at best "at the end of the day" (which we don't like to think about) you will have a lump sum.

sorry I can't think of anything more.

Hi Helen, yes it is. I found the policy I needed through www.directline.com

Their phone line is 0845 246 8246.

I just got the one for £18.45 the premium one is that the one with the lifetime bit x

Sounds the same as mine, yes.

mines rather good, but mine is in finland. i pay 24% of the overall costs, its a life time one so it doesnt run out when he hits like 10.
came in handy today i tell you that much

Ahh excellent im so pleased ive now got him insured do worry about these things x

I'm with pets at home and i pay £15.50 a month for harvey (staff) and £9.50 for Chance (ambull) they have just changed their policy but they paid out straight away when i claimed

Im wondeeing who to go with aswell have been told that petplan are the onlyones that deal directly with the vets so u only have to pay the excess at the time of treatment is this true?

Not sure Hannahjane - Petplan is certainly pushed via the vets but it's very expensive.

Yeah the of all the quotes i've got its defo the most expensive! Not sure what to do

HannaJane wrote:Im wondeeing who to go with aswell have been told that petplan are the onlyones that deal directly with the vets so u only have to pay the excess at the time of treatment is this true?

Really depends on the vets on how they deal with a claim

HannaJane wrote:Yeah the of all the quotes i've got its defo the most expensive! Not sure what to do

pets at home deal with vets directly

I have just taken pet plans life time cover for Alfie including dental. less than £26 pm.

I'm with Sainsburys for Lily. its just over £15 a month. I have just put her first claim in for when she hurt her paw so we will see how good they are

Hubby and me have been looking at insurance this afternoon for Rocky, we are currently with Argos and after doing a bit of searching around have decided to stay with them for at least another year.

His policy is the Platinum cover with Argos, insured as Staffy cross as he is, £19 per month which is an increase on the price we payed last year of £15 per month. He has the lifetime cover.

Hi guys, I am new to this site and Chulo is now 9 weeks old and going to need insurance. Looked online comparethemarket.com and think that petprotect seem to have the best deal offering lifetime cover up to £ 4000,-/year for a premium of 25,- per month. There is no excess fee to the vet and they settle the bill directly with the vet. Does anybody have experience with that company (petprotect)?

Hello Axel and welcome to you and Chulo (who looks gorgeous )

I have no experience of Petprotect I'm afraid, but for lifetime cover with a reasonable ceiling, no excess and settling directly with the vet, £25 pm sounds pretty good to me.

Thanks Lynda for your comment, guess I go with them and will let everybody know if and when there is problem. x

Well Axel I hope it works out well for you.

I have a lesser monthly premium with Direct Insurance - full life and with a good top cover (can't remember what it is offhand) but I did have to settle a nearly £600 vet bill straight away with the vet, and then had an £80 standard excess charged, plus some other extra excesses for out-of-hours. And it took 6 weeks to get back some of my outlay (less the excesses). I'm not complaining because I knew what I was taking on.

So, a higher premium to cover no excess and settling with the vet directly sounds pretty good to me. I'll be looking at Petprotect ....

we had Tesco insurance but when we read all the clauses in the contract it looked terrible. Changed to equine and life policy, more benefits and a lot more cover

Lynda wrote:Well Axel I hope it works out well for you.

I have a lesser monthly premium with Direct Insurance - full life and with a good top cover (can't remember what it is offhand) but I did have to settle a nearly £600 vet bill straight away with the vet, and then had an £80 standard excess charged, plus some other extra excesses for out-of-hours. And it took 6 weeks to get back some of my outlay (less the excesses). I'm not complaining because I knew what I was taking on.

So, a higher premium to cover no excess and settling with the vet directly sounds pretty good to me. I'll be looking at Petprotect ....

A lot of it will depend on the Vet , I was with Direct Line for Tilly and we had a claim for Tilly when she was a pup and it was all dealt direct no problems, the only problem I had was with the first bill from an emergency vet (Sunday) and I had to pay out straight away but as I recall Direct Line settled inside of 2-3 weeks and it was on my CC so no problem. Having said that I ditched them when Tommy came along because their premium went up to 26 quid on the renewal previous year for Tilly and they weren't offering a new introduction bonus for Tommy or a discount for 2 of them , wouldn't budge on the phone so I ditched them and went to PAH , great policy for the year but since then the policy cover has changed for newbies so we will be moving on again