Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

hethmar

tcr wrote: »

Hi there,

We've gone with the PDSA for our beagle. £3,000 pa vet fees, ongoing care, £500 death benefit, £1 million 3rd party liability, £250 accidental damage, £500 recovery expenses, £650 boarding fees, £500 for loss by straying/theft, £1000 for holiday cancellation.

Cost ? £7.20 pcm. .

tcr Im afraid that PDSA cover isnt per annum but in total. Hence your £3k is a limited pot of money per condition or incident. This may or may not be enough should your dog have a chronic or serious condition. If you have had no claims or incidents where you have been to the vet, it may be worth you looking for proper lifetime cover now.

* Ongoing cover is provided up to either £2,000 / £3,000 / £7,000 per incident

tcr_3

hethmar wrote: »

tcr Im afraid that PDSA cover isnt per annum but in total. Hence your £3k is a limited pot of money per condition or incident. This may or may not be enough should your dog have a chronic or serious condition. If you have had no claims or incidents where you have been to the vet, it may be worth you looking for proper lifetime cover now.

* Ongoing cover is provided up to either £2,000 / £3,000 / £7,000 per incident

If the dog's so unwell it needs more than £3,000 spent on it I'm afraid it'll be getting the bullet, simple as.

bouncydog1

What an awful thing to say! A dog does not have to be critically ill for costs to mount up over a period of time. A long term condition where it needs regular medication together with regular vets visits can soon cost quite a bit.

If I were you (which I am glad I am not) I would refrain from making comments of that nature as a lot of people read this forum who have recently lost their pets and this type of comment will clearly upset them together with others whose pets mean a lot to them.

And if you meant it as a joke, it wasn't!

hethmar

tcr wrote: »

If the dog's so unwell it needs more than £3,000 spent on it I'm afraid it'll be getting the bullet, simple as.[/QUOTE

My goodness, I cant believe you mean that -well one of my boys would have gone then.

You only need something minor but chronic to add up to £3k, not anything desperate. You said it was £3k per annum, so I thought you ought to be aware it wasnt. At least other people will be aware though.

hethmar

Quinny wrote: »

Our premiums for Stella have gone up by around 40% with M&S for Stella, from £12 to £17.

Im dreading our M and S renewal for Ralph, he is on £41 a month medication as it is just for his dry eye. I dare say they will hit us hard. But once you claim, you are stuck with them.

I swopped the other boy over to AXA before we made a claim on him.

tcr_3

I'm sorry. But I'm not spending £3,000 plus on a sick dog. A joke ? No, I'm not kidding. If my dog is so sick that it needs that kind of money spent on it, I'm afraid it'll be getting destroyed. Sorry if that upsets your sensibilities.

Less than one third of British dogs are insured at all. What do you think their owners do ? Some borrow, some come to an arrangement and pay it up. But most have their animals put to sleep purely for economic reasons. And that's what I'll be doing if the dogs health deteriorates to such an extent that it needs that kind of money spent on it.

Sara784

what a sweetheart u are! Its each to their own i'm afraid, i was only wanting to know who would be best for insurance!

zee_2

in reply to tcr ,i'm disabled , lost my last border collie to cancer at 11 ,asked vet [ local and good ] to try best although told it was borderline case for survival , dog perked up for a week but died ,i'm also a oap ,vets bill came to £550 ,I was advised beforehand also it would have been double if I had insurance....paid it off at £50pm off pension...do not regret a penny ,when lying on bed waiting for morphine to take affect , I dropped arm over side of bed ,dogs head would go under hand and take weight ,that affect when ill is priceless ...a dog sadly lost.

hethmar

zee - heartbreaking for you. xxx

hethmar

tcr, but your insurance would be covering the money for the dogs illness. I really cant believe that you would put a dog down if, say he had exzema and over 5 years tabs and tests came to £3k. Thats not a serious illness, just a chronic and annoying one. Poor little soul, having his value quantified.