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Pet insurance

HiI am looking for help re pet insurance, I have been scouring internet to see if I can find out which is the best policy hopefully someone may be able to answer some questions

Is there a policy which does not need to be renewed every year that guarantees premums for life?

Is £7000 per condition a reasonable amount (have no experience of this so don't know what to expect) or would you still recommend going with a per year policy

In your opinion which is the most reasonable policy in terms of what it offers and cost monthly?

Any help appreciated

Replies

  • deanosdeanos Forumite
    11.2K Posts
    Part of the Furniture 10,000 Posts Uniform Washer
    Forumite
    im with https://www.halifaxpetinsurance.co.uk and it insures for life, it was cheapest for out 10yr old cat, you can get cashback at Quidco too
  • pboaepboae Forumite
    2.7K Posts
    If you do a search you'll find loads of posts on this. £7,000 per condition is not a lot if your pet develops a lifelong illness (my dog requires daily tablets for his arthritus at £125 a month, and that's before you get into the consultation fees, and course of injections every 6 months, if we ever decided to go ahead with the hip replacement op, it would be at least £4,000 per hip).

    So you need a policy which offers lifetime cover (some only cover for one year and then exclude it after that), and preferably one which 'resets' the per condition limit each year.

    The two best are usually Pet Plan and Marks and Spencer, but you pay extra for that level of cover. I prefer M&S because they have a 'nil excess' option, but you would need to decide whether that is the best deal for you.

    Oh, and watch out for any company that is underwritten by E&L and avoid them like the plague!
    When I had my loft converted back into a loft, the neighbours came around and scoffed, and called me retro.
  • pboae wrote:
    The two best are usually Pet Plan and Marks and Spencer, but you pay extra for that level of cover. I prefer M&S because they have a 'nil excess' option, but you would need to decide whether that is the best deal for you. QUOTE]

    Definately agree here about M&S. Its who we are with and as well as all the other benefits it has the no excess option. This for me was just another £6 on top per year which i think is ridiculously cheap. When we first got this insurance and had to take my dog the vet couldnt believe how good the cover was for the price (i pay £7.49 a month).
    I have heard from some people that Pet Plan are getting very fussy about who and what they pay out for, so i would be a bit wary there.
  • deanosdeanos Forumite
    11.2K Posts
    Part of the Furniture 10,000 Posts Uniform Washer
    Forumite
    I used to be with PetPlan but they got so expensive
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