Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

cathodetube

I haven't heard of Pet Protect and also didn't know about policies now with a zero excess. Marks and Spencer did have a zero excess when they first entered the pet insurance market, but that soon disappeared, and became extremely high. So, no guarantee that that will stay. The best policies seem to be the ones that are their own underwriters. I also don't think that 4k is a great annual cover. The monthly premiums are quite often based on where you live, and the breed, because of the cost of vets in that area, and also what type of health problems each breed tends to suffer from.

shazzle

Hi There
Confused here and looking for guidance please. I need to insure a 2 yo Shuh Tzu that I have just rescued. I am overwhelmed by the options available but seem to come down to a lifetime policy with a healthy pot is what I should buy. Can any of you lovely pet owners confirm or advise me please xx Many thanks xx

TomsMom

shazzle wrote: »

Hi There
Confused here and looking for guidance please. I need to insure a 2 yo Shuh Tzu that I have just rescued. I am overwhelmed by the options available but seem to come down to a lifetime policy with a healthy pot is what I should buy. Can any of you lovely pet owners confirm or advise me please xx Many thanks xx

A lifetime policy is the way to go. I have one with John Lewis with £12,000 in the pot annually and they were very quick to pay out when I needed to claim last year.

I'm a member of another forum, one of the members there has written this guide which should help you.

shazzle

Thanks so much Tomsmom, I had reached that conclusion and the link was fab too x Its often hard to make the right decision and I do find MSE'ers are the best to guide me through xx Have a good day xx You made mine xx:T
(went with JL too x )

TomsMom

shazzle wrote: »

Thanks so much Tomsmom, I had reached that conclusion and the link was fab too x Its often hard to make the right decision and I do find MSE'ers are the best to guide me through xx Have a good day xx You made mine xx:T
(went with JL too x )

You're very welcome. MSE is a great place to come for advice. I'm glad you found the link helpful, that gentleman was very helpful to me when I first entered the world of pet insurance and it's nice to share the knowledge.

Have a good day yourself .

hmc

on ringing nfu i was a little disappointed to discover you cant insure just your pet, you have to do the house insurance too!!!
this was a much higher quote than my contents with direct line so it was a no go

hmc

Ok I think I'm going to go with axa, £19 something a month for pup, sound bout right ? I rang and asked aout having to pay the excess every yr for continuing treatment and he said yes that was right

TomsMom

hmc wrote: »

Ok I think I'm going to go with axa, £19 something a month for pup, sound bout right ? I rang and asked aout having to pay the excess every yr for continuing treatment and he said yes that was right

The premium depends on a lot of factors, which breed, where you live, is it a pedigree, health conditions affecting certain breeds, all sorts of things so I don't think anyone can tell you if £19 a month is about right. Doing comparisons with different companies is probably the best indicator.

I was with Axa for my dog's first year and was paying £12.77 per month for a Bichon. The renewal was around £14 odd so as I hadn't claimed I looked around and for me the John Lewis policy offered the best choice at £12.43. I had to claim last year as she had a lump which was investigated, removed and found to be benign. I'll now have to stay with John Lewis to have any further lumps that may occur covered, or if I move no lumps or anything than can be associated with them will be covered as that would be considered a pre-existing condition.

hmc

Thanks, are Jl underwritten by someone else?

TomsMom

hmc wrote: »

Thanks, are Jl underwritten by someone else?

My policy is underwritten by Royal & Sun Alliance. I think some policies, probably older ones, are underwritten by someone else as there is a prefix to the policy number. Mine is definitely RSA and their website does say "We have carefully selected Royal & Sun Alliance Insurance plc to underwrite John Lewis Pet Insurance".

Just out of interest, and 'cos I'm so nosy , what breed is your pup?