pet guard dog insurance

brooker1234

i have been with this company for 2 months now and i am wondering has anyone else used them before or does anyone know what they are like

dacouch

It does not look like a "For Life Policy"

If you want an explanation of what a "For Life Policy" is have a look at this advice from the Tesco website (I'm not endorsing Tesco).

http://www.tescofinance.com/personal/finance/insurance/petins/understanding-pet-insurance.html (It has an explanation under the "Vet Fees" section).

The best dog Insurance is arguably Pet Plan which is a for life policy and most vets will recommend you use them, however you get what you pay for and it is very expensive

brooker1234

well on hte policy i have i had a choice of wether to take out 12 months policy, (yes or no) and i chose no. rang them to see what its about and they said if you press no it would cost more but it means it is lifetime cover and would cover a re-occuring illness and say i had to get treatment for life, each year i would just have to pay excess each year

dacouch

If it's a For Life Policy that is good, how much are you covered per condition per year and is it per condition or in total for all conditions per year?

brooker1234

7,500 for the year, but say he has long time life time illness and some how it went over 7500 that year, i pay the rest and then the 7500 gets restarted the next year

dacouch

Thats a good level of cover JLT are pretty good, the policy is underwritten by NIG which is owned by RBS. NIG are having problems at the moment on claims and customer service but there is a good chance that JLT deal with the claims in house

Astaroth

There are 3 basis for cover on pet for vet fees - use an example of a policy with a £5k a year cap and a condition that costs £2,000 a year.

1) Pay up to sum insured in year 1 of the claim and thats it, no payments in year 2 or onwards for the same condition. So in the example you get £2,000 in year 1 and nothing ever again.

2) Pay up to the sum insured over a number of years then that it for that condition. So £2,000 year 1, £2,000 year 2, £1,000 year 3 then no more

3) Pays up to the sum insured every year. So £2,000 a year for the life of the pet.


Naturally option 3 is the best but it is therefore the most expensive. 2 & 3 also create a form of lock in to the policy because if you move the policy to someone else they will pay nothing for the condition because it is pre-existing. Premiums can therefore become very high.