Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

lowis

VanillaDelia wrote: »

I got 5% discount on both my policies for my 2 cats with Argos, got them both insured for £7.43 a month with the silver cover. Also got £40 cash back for this though through hubbies works cashback site:j.

it seems that only the Argos 'platinum' policy is proper a proper 'for life' policy, check the wording below, taken from their website:

Silver Cover
Covers vets fees up to £2,500 per condition for up to 12 months.

Gold Cover
Covers vets fees up to £4,000 per condition, for up to 12 months.

Platinum Cover
Covers vets fees up to £7,000 per year, with no limit to the length of treatment providing your premiums are kept up to date

jidi19

This may sound a daft question so please forgive me but I am looking at insurance for our pooch and unsure what to class her as.

Father is 100% british and mum is 50% British bulldog/50% old tyme bulldog so am I right in guessing she is technically a crossbreed??

I'm so confused with all these insurances really don't know where to start!

Thanks in advance, me & the pooch!!

lowis

jidi19 wrote: »

This may sound a daft question so please forgive me but I am looking at insurance for our pooch and unsure what to class her as.

Father is 100% british and mum is 50% British bulldog/50% old tyme bulldog so am I right in guessing she is technically a crossbreed??

I'm so confused with all these insurances really don't know where to start!

Thanks in advance, me & the pooch!!

what breed is your dog registered as at your vet? that's the breed to put down on the insurance, otherwise if you list it as cross-breed, when it is deemed a bulldog, it could make you insurance invalid.

start with the two best providers - Petplan and AXA. and completely avoid avoid E&L insurance

good luck x

cathodetube

Sounds like a Bulldog to me - an Old Tyme is a forerunner of the British Bulldog right? Your dog is 75% British Bulldog. You can call the insurance company for a chat beforehand. Certain breeds have certain inherent health problems so it is important to be accurate. A cross breed would be more like staffy x bulldog imho.

jidi19

So I have spoken to the vet and they have said they class Ferg as a British Bulldog Cross so am I right in saying I need to register her as a crossbreed? I have rang AXA but they werent too helpful

jidi19

lowis wrote: »

what breed is your dog registered as at your vet? that's the breed to put down on the insurance, otherwise if you list it as cross-breed, when it is deemed a bulldog, it could make you insurance invalid.

start with the two best providers - Petplan and AXA. and completely avoid avoid E&L insurance

good luck x

Ok so I may be missing something completely but I am looking at quotes with AXA and have no idea whether this is lifetime cover or what as it doesn't state can you point me in the right direction? ?

jidi19

Ignore that just read it lol it is lifetime!!

detroidam

Hi, can anyone offer any advice about argos platinum cat insurance?

It looks as though it is for life cover, £7,000 per year for £5.70 per month but seems too good to be true.

If, as I expect it isn't true, can anyone offer any advice for insuring 2 males cats, both about 10 months old with no health problems?

Thanks in advance.

Bromley86

detroidam wrote: »

Hi, can anyone offer any advice about argos platinum cat insurance?

One think I noticed. It has the same administrators and underwriters as Halifax pet insurance, who have been great.

Looks fine to me. That premium may (will!) increase over time.

lowis

detroidam wrote: »

Hi, can anyone offer any advice about argos platinum cat insurance?

It looks as though it is for life cover, £7,000 per year for £5.70 per month but seems too good to be true.

If, as I expect it isn't true, can anyone offer any advice for insuring 2 males cats, both about 10 months old with no health problems?

Thanks in advance.

looks like a good policy with good benefits, but be aware they can change underwriters at any time and your insurance policy benefits may get changed for the worse. also, check what happens to the excess once your pet gets 'elderly' (usually deemed as 8 or 10 years old) - most policies make you liable for a percentage of the claim (anything up to 35%).

you may also want to check that your vet will do direct claims with argos.

good luck.