dog insurance per year vet fees not per condition??

anna42hmr

hello

just currently getting quotes for my german shepard as renwal of existing policy up soon (HSBC), any one know of other ins cos that have a per year vet pay out rather than a per condition limit. (ie hsbcs is £7500 per year rather than say like some that pay out £5000 per condition etc)

reason i prefer this is GS's are prone to long term issues such as HD, which can add up, whilst my dog has no issues as yet, prefer to go with companies that have a per year figure than a per condition figure (as at least if she is diagnosed down the line then should be covered for most costs)

so far ones i know of are
HSBC
pet protect
pet plan
Aviva

does any one know of any others??

cyberbob

My cats and dog are with M&S which has a pot of money per year (its not the cheapest but has the best cover for me). I wouldn't personally go per condition as if its a long standing one that can easily eat the pot of money up.

picklepick

Halifax plus is also a for life policy.

we have a cat so not sure how it works for dogs but we get £6000 per year

walwin

AXA, AXA, AXA

You must get a quote from them

£7000 per year and from what has been said on here previously, very good to deal with if you have to claim

meerkat2007

Like Walwin, I'm with Axa, £7,000 per year, with a £50 excess per condition. Just got a claim form in with the vets now, so they can fill in the details and send it off.

I could kick myself though - I was in the vet's yesterday, talking to an elderly gentleman who was waiting to pick up his Golden Retriever after she'd had £9,000 worth of cruciate ligament surgery. He said she was insured, but I should have asked which insurers! Doh!

Fire_Fox

Another vote for AXA, arguably better than PetPlan as no percentage excess in older age and cheaper too.

hethmar

Theres a big thread about this if you have a search but basically as said

AXA
Petplan
M and S
Halifax
HSBC
NFU

Check the policies carefully as now some of these offer an "economy" - as well as the full for life.

I dont think any cover up to £9k - I guess the chap is either paying £2k of it himself or the £9k has fallen into two different claim years? And Meerkat, your pet wouldnt be covered if you swapped anyway and he has already got a condition.

anna42hmr

thanks for the replies everyone, i appreciate it

meerkat2007

hethmar wrote: »

Theres a big thread about this if you have a search but basically as said

AXA
Petplan
M and S
Halifax
HSBC
NFU

Check the policies carefully as now some of these offer an "economy" - as well as the full for life.

I dont think any cover up to £9k - I guess the chap is either paying £2k of it himself or the £9k has fallen into two different claim years? And Meerkat, your pet wouldnt be covered if you swapped anyway and he has already got a condition.

Thanks, Hethmar - I know, and I have no intention of changing insurers, I just thought, with hindsight, it might have been useful to find out for the purposes of this thread.

anna42hmr

think i may have jinxed myself on this post, looks like will have to stay with HSBC as she has a very large lump that has developed on her back which the vet recommends to remove it, so shes booked in for next week!

at least have a policy that i am happy with (as its already annual limits rather than per condition limit any way) just wanted to check other comparable ones.