Pet Insurance Cost Cutting System/MoneySavingExpert.com Discussion

System

I dunno Ed, i am just off to have a look.

deanos

Beware of M+S they have brought a worrying new clause in, out of hours you have to ring there helpline before you ring a vet :mad:

lfckerry

Be careful of argos, they only cover(on the premium) £6000 per condition!
i am with petplan at the moment(6wks free from breeder) and they are quoting £22 per month. Just had a quote from Axa which looks quite good at £7000 per year and at £17.50 per month

Andrewc

Fat_Boy wrote: »

I have a cat which I got from a colleague that has just turned 13. Is there a company out there that will offer insurance for a cat of that age that will not charge the earth?

Not 'direct line'.

The premium for our 11 year old cat has increased sharply over the past couple of years and we ave never made a claim !

Jokarbi

New to this so very sorry if not in correct place!

I have just had my renewal quote from Sainsburys.

I was paying £14.94 a month for my 6 year old German Shepherd which was for £6,500 for each accident or illness with no time limit.

They now want £23.04 a month for exactly the same cover, i have never made a claim.

Does anyone have any idea why the prices are going up so much ?

I have another dog under a seperate policy due in February with Direct Line and am worried how much that is going to go up, i may be paying over £550.00 a year which is more than the house and the car policies!!.

Any suggestions!!

relay

You will probably find his age is a factor - as dogs age they are seen by insurance companies as a higher risk.

Jem8472

I Have just been to the vets for the first time with our cat that we got from the rescue centre. I have come back £100 lighter...........

With regards to pet insurace do they pay for these regular visits for deworming and vaccinations? Or am I hoping for far too much from an insurance company?

I am just trying to decied if it is worth us getting pet insurance. We have a 3 year old female indoor cat.

Any thoughts would be helpful!

looby-loo_2

I wouldn't think they pay for routine events - like moor insurance doesn't pay for your MOT

I don't have pet insurance for my three cats. I've had cats for over 30 years and I think about 16 cats. I had one big vets bill for a kitten who had a convulsion and then died after a day of treament last year. That cost £180 but I think I'm still on the right side so far as premiums would have been more.

You do hear of very high vets bill so I think it's all a case of a lot of luck!

Perghaps the question to ask yourself is could I aford a big bill next month if something horrid happened?

Have you shopped round for vets? They vary a lot where I live.

relay

You shouldn't need regular visits to the vet for worming - that's something you can do yourself. Ask the vet for any prescriptions so you can order medicines online - that will save you a lot of money.

Regarding vaccination again it shouldn't need to be any more regular than annual unless the animal needs regular treatment for a condition.

As a general rule insurance companies will not cover things like worming or vaccinations anyway but in all honesty to take any animal on you should be prepared to at least have to pay for basics anyway.

red_bertie

I wish! No any routine stuff like worming, flea treatments, vaccinations are not included. If the pet is young it is well worth having some cover [there is a big thread on here somewhere about Pet Ins]. The older they are is the time when you need to question whether it's worth it, what with having to pay excesses and % of total fees - like a lot of age related probs, there is usually no cure and the treatment is palliative. Take a good look at what the insurer is offfering before committing - they vary greatly.

RB