Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

hethmar

There must be forums for degus. Have you tried finding any as you can then ask other owners for the best way forward. Have a google

ginlin

I have posted this on the insurance forum, but though maybe this one would be more appropriate.

I have a two year old English Springer Spaniel, who has been insured with Healthy Pets since he was three months old, the policy is due for renewal, but I am horrified that the premium has gone up from £16.40 a month to £33.58! - I have made no claims on the policy either.
So, I've spent the day trawling the net for another provider, and have narrowed it down to two:
Sainsbury's Option 2 (£7500 vet fees) @ £15.00 a month
M & S Premier (£7,000 vets fees) @ £16.68 a month
Now my dilemma is, do I go for the Sainsbury's £7,500 per condition policy, or the M & S £7,000 a year policy?????

shortchanged_2

Flippin heck has pet insurance gone up that much and I mean what you were paying originally. When I insured my dog a few years ago it was only about £8 a month and he is a pedigree dog.

They are probably putting it up as the dog gets older he is more likely to need vets care, saying that he is still very young.

Best advice is the same with all other insurances, shop around.

Probably what has happened over the last few years since pet insurance has become more popular is that vets have hiked their charges up even more resulting in the higher premiums.

devildog

Typically the insurers blame the vets and what they charge for treatment and as I found even if you have no claims(ever) those premiums just keep on rising (to the point where I ceased my dog's insurance last year at the age of 10) First 9 years was with Pet Plan and the last one with Sainsburys(who, for my dog/circumstances gave better cover at a cheaper price)However, one word of caution when it was renewal time again the premium had shot up and I chose not to re-insure.I guess that happens with most insurers though.

Guess what-no claims ever and and next week he is booked in for x-rays on spine/hips/back legs lol!! You have to laugh!

chelle230

http://www.exoticdirect.co.uk/index.php?fuseaction=home.formstart

try these, we looked at these when we kept reptiles, but they do mammals too. if not just type exotic pet insurance into google

walwin

I suggest you read this thread: https://forums.moneysavingexpert.com/discussion/2672223


Some good advice on there

Elrith

Thanks for the help everyone, but i really like the idea about the savings account, i had a google and it seems like most people don't bother to get insurance, the OHs up the bank tomorrow so hes going to get a savings account sorted for them lol i cant wait to get them now i'm like a big kid!!

babyshoes

Even something fairly common like ferrets are counted as exotic pets, and with 4 of them the insurance quote was huge - and there only seems to be one company which would insure them, the one mentioned above. We just make sure we have a savings 'cushion' in case any of them need expensive treatment. In the few years we have had them, we haven't spent as much on vet bills as the insurance would have cost us, so we are quids in so far - touch wood

One of ours has ongoing medical needs, but it is only a checkup twice a year now that it is under control, and less than a tenner's worth of medicine every couple of months, so not too bad - though it did cost a few hundred in tests and special diets initially while the vets tried to work out what the hell was causing it! Still no definitive diagnosis, but a long term management plan seems to be working, thankfully.

Bryando

Petsurance 7000




£5.97 £71.60 £75.00

Bryando

£5.97 a month or £ 71.60 per year excess £75.00

This is to insure a 7 week old kitten. think that is GREAT! Plus I assume that money goes to help PDSA in helping other animals in need.

what do you think of these prices?