pet insurance help needed

dizziblonde

hethmar wrote: »

Im a little bit concerned that people seem to think Sainsburys is for life? As far as I could see there is a limit of £7k per condition.(Have confirmed it isnt "for life" but only per condition.

I used sloppy terminology - I'm fully aware it's per condition but at least doesn't mean you have to get all your dog's arthritis done with in one year like lots of them if you get what I mean.

hethmar

Appreciate that, but when you think a hip op for an arthritic dog can be £6k or more, than you do need to think about proper for life cover. For most people £7k per condition for the dogs lifetime will probably be more than adequate, but you only have to be the one whose dog gets a chronic expensive condition to end up in the poo.

dizziblonde

That's pretty much the risk you seem to take with any of these really - try to cover as much as you can for a condition that may or may not occur. Heck I've paid for insurance on the mog for years and she's been to the vets once with a ikky tummy that cost £30 so no point even claiming! Of course - her being the contrary sort she likes to be, she'd get ill the milisecond I stopped paying out on it in the most spectacular expensive fashion going!

Mice_Elf

becky4131 wrote: »

Animal friends insurance is not good at paying out, in fact they only pay out 60% of the time. Be careful at insurance companies increasing premium once a claim has been made. Petplan do not increase premium (only with inflation), i have claimed 3 times over 3 years and my premium is still the same (10 pound a month for a cat). It is entirely up to you but personally i would go with no one but petplan.

I claimed through Animal Friends Insurance for my 15-year-old cat when a tumour caused his back leg to break & subsequently require amputation. I've had the policy renewal forms through since then (the amputation was in very early Oct & the policy expired in Dec) & he is still the same price as the other cats. No increase in premiums.

They also dealt with the vets directly, so no need for me to pay upfront & claim it back. The vets I went to were happy to do this, although I did pay a small fee of £5 for their trouble!

I_am_mad

Hello,

I have just done a quote with Axa and it says that its £7,000 per period of insurance, does this mean that this is lifetime cover? I am trying to sort out insurance for my dog and its getting so stressful

dizziblonde

Mice_Elf wrote: »

I claimed through Animal Friends Insurance for my 15-year-old cat when a tumour caused his back leg to break & subsequently require amputation. I've had the policy renewal forms through since then (the amputation was in very early Oct & the policy expired in Dec) & he is still the same price as the other cats. No increase in premiums.

They also dealt with the vets directly, so no need for me to pay upfront & claim it back. The vets I went to were happy to do this, although I did pay a small fee of £5 for their trouble!

Total side track but woo hoo another tripod cat on here! Mine's been three-legged ever since before I got her - but by heck she can flounce well on three legs! I don't believe I pay anything more for her being an amputee but I only have one cat at the moment so don't really have anything to compare her to pricewise - apart from the dog!

GT60

Direct line for life is not all it seems

Here is a quote from their FAQ's on their site

We offer two levels of cover:

Our Essential policy covers each separate condition for 12 months from its onset, up to a maximum of £4,000 per condition. This policy is suitable for unexpected accidental injuries or for acute conditions which are unlikely to require long term treatment.

Our Advanced policy covers each separate condition up to a maximum of £6,000 with no time limit on reaching this amount. The Advanced policy is suitable for ongoing conditions such as arthritis or heart conditions, the condition will be covered until the maximum benefit of £6,000 has been reached.

Once a pet is insured with us we will continue to insure it. We do not restrict cover or increase the excess due to a pet's age.
This bitabove is from the FAQ's http://faqs.directline.com/help/pet-insurance/

Correct me i am wrong but if the dog gets measles for its life and the £6000 runs out when the dog is 6 years old what do you do for the rest of his life?

http://www.moneysavingexpert.com/insurance/cut-pet-insurance-costs

Just a thought

Flibertigibit

GT60 wrote: »

Correct me i am wrong but if the dog gets measles for its life and the £6000 runs out when the dog is 6 years old what do you do for the rest of his life?

http://www.moneysavingexpert.com/insurance/cut-pet-insurance-costs

Just a thought

If a dog gets measles for its lifetime it will be famous and therefore publicity will pay for its ongoing treatment!! :rotfl:

GT60

Ok needs treatment for life

HappyMJ

GT60 wrote: »

Ok needs treatment for life

Then you make a choice. Most probably to continue to pay for the treatment from your own income. If it worries you select a different policy.