Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

ShirlUK

Yes its full aggression at the moment, she trusts no one but me and my sister and the kennel ladies and now 1 more, the dog trainer has just won her round! we muzzle her at dog training but she is begining to know the group there and only growing when they get too close to her.

hethmar wrote: »

Shirl, thats very honest of you!

If you got the dog from a rescue, have you asked them about appropriate retraining for her? I take it they told you of her problems when you adopted her? Many rescues will give you insurance cover for a short period with their insurers when you first get the dog - did this not happen?

When you say she is aggressive to people? You mean she barks/growls? I take it she doesnt attack ? What breed is she?

ShirlUK

she does attack, she runs up to and growls shows her teeth and lunges, but has not bitten anyone - she is improving & its all fear, she is scard stiff, she is a collie X , If you show no fear she just backs away and cowers!

prudryden wrote: »

As Heathmar asks, does the dog actually try to attack or does it grumble a bit?

ShirlUK

Sorry we went dog training last night and this is the first chance i've had to get back online!

hethmar wrote: »

Shirl - you there?

ShirlUK

Yes we could have said she fine to get insurance, but the people at the kennels know and my vet knows so if she ever did bite they would find out!

I just wondered if there was any insurece that do cover dogs such as mine!

we only had her 3 months and she is improving a lot and she only just a year old! her birthday was last sunday!

Bromley86

user55 wrote: »

OK Petplan "supreme" is a fair bit more but I guess if it takes the worry out of life it's worth it! Their excess could do with being a bit lower though!

An extra £96 a year for unlimited cover v 4k a year......it's only worth paying less if I never need it, right!

I liked the bloke at NFU more than the woman I spoke to at Petplan. But that's not all that important I guess.

I need a coin....heads or tails LOL!

I know what you mean - I really warmed to the lady from NFU that I spoke to.

Just to give you an example of what I think is a high-claim case, our pup has hip dysplasia. We've spent £1,400 on consults, x-rays, hydro and medicines in the past 7 months. If we had had her hip op this insurance year, that would have risen to £6,400 (it's been rescheduled as we're having her spayed).

So for us £4k would have been too low. £6k (which is what we have with Halifax) means we would be out of pocket, but acceptably. If she needs the other hip done then it'll be done in a new year.

hethmar

Shirl, I think you are brilliant taking on a dog like this, when you knew the amount of work she would need. Im not sure how you can go ahead on the insurance front. May be you could speak to one, perhaps the NFU which are more personal/flexible - and explain you are having training as she is nervous which tends to make her act aggressively but in the meantime, could you insure her health?. The reason they worry about aggressive behaviour is for the third party claims if she bit someone. If you just want them to cover her vet fees then they may well agree to do that though they may exclude injuries caused by her behaviour.

Good luck and I do hope the rescue is giving you a lot of support with this dog - have you asked them whether their insurers would cover her? Its a shame you adopted her rather than fostered her as then the rescue would still be responsible for her insurance. May be have a word with them about that. If they are one of the big rescues they may take her insurance on board rather than you paying for it.

Do you go on any dog forum sites? There is several collie sites and also a rescue called Wiccaweys which has virtually only Collies or collie crosses. The couple who run it are very knowedgeable (its in Northamptonshire) and Im sure they would be happy to help if you mailed them with any queries over training. xx

ShirlUK

Thank you for your help, we didn't know that she was as bad as she is when we got her, we just saw a very shy dog growling behind the kennel people. when she came to our home she hide behind them again growling it took us just over 2 hours to bring her round and to us she a normal loving pup and into everything she needs a lot of cuddels and climbs up in your lap for them even though she grown too big really to lay on your lap lol we only know how bad she was when someone visted us a week or so later and she turned into this aggressive dog (We live in a very quite country lane with only 1 or 2 houses near) When we got her there no mention pet insurance from the kennel people! i'd post a link to a photo of her but nor sure if links are aloud here! I may ring the kennels up and see what they have to say!
thank you for your help! and i'll look for those collie sites on the net

Shirl

hethmar wrote: »

Shirl, I think you are brilliant taking on a dog like this, when you knew the amount of work she would need. Im not sure how you can go ahead on the insurance front. May be you could speak to one, perhaps the NFU which are more personal/flexible - and explain you are having training as she is nervous which tends to make her act aggressively but in the meantime, could you insure her health?. The reason they worry about aggressive behaviour is for the third party claims if she bit someone. If you just want them to cover her vet fees then they may well agree to do that though they may exclude injuries caused by her behaviour.

Good luck and I do hope the rescue is giving you a lot of support with this dog - have you asked them whether their insurers would cover her? Its a shame you adopted her rather than fostered her as then the rescue would still be responsible for her insurance. May be have a word with them about that. If they are one of the big rescues they may take her insurance on board rather than you paying for it.

Do you go on any dog forum sites? There is several collie sites and also a rescue called Wiccaweys which has virtually only Collies or collie crosses. The couple who run it are very knowedgeable (its in Northamptonshire) and Im sure they would be happy to help if you mailed them with any queries over training. xx

skyripper87

I use marks and spencer too - found them very good. they paid out very quickly and i got a discount for my 2nd pet

hethmar

They have become a lot more expensive now though sky Thats the reason I have been looking to change to another insurer. The wonderful zero excess is now £70 aswell.

mrsbez_2

Anyone have any advice on insuring an older lab(11 yrs old). Having looked around at policies, i have been quoted £23 for petplan value (but don't think this will be adequate cover), £44 for halifax extra - covers £6000 per year and has lifetime cover, or M&S which is about the same £44 per month for £7000 cover.

Can anyone advise which would be the best to go for??