0% card instead of pet insurance

riverboat2001

My Tesco pet insurance is now £41:eek:

I was wondering about getting a % credit card so that if the dogs get illl i could manage to pay for any treatment in an emergency and then pay it back.

As it stands my excess is £100 and i end up paying for all the visits anyway!

YorkshireBoy

You'd need to get a new card almost every month to ensure you always had 9-12 months 0% remaining should such an "emergency" arise.

How about 'self-insuring'? Just put the £41 away each month in a savings account.

riverboat2001

Well, i had read about that, but my Lurcher is now 8ish (rescue dog so could be a couple of years out, no-one knows)
Jack Russell, is now about 13 (another rescue!)

so as they are getting old, i would imagine things may start to get costly, and like most soppy pet owners, i would do whatever it takes!

If i tried to switch insurers and declared their previous then the premiums would probably be sky high.

Tesco put my premium up from £30 to £40 almost overnight! I've never even made a claim during this time.

I haven't had a credit card for about 5 years so probably mistunderstood the system.

I thought you could get ones were you could spend upto your limit and have it 0% for 18months or so!

YorkshireBoy

riverboat2001 wrote: »

I thought you could get ones were you could spend upto your limit and have it 0% for 18months or so!

The longest is M&S at 15 months, but with all these products the clock starts ticking the moment you apply...not when you make your first purchase.

If you're confident you could get one, and the vet would delay his invoice, then it could work for you on fairly small bills? But I would imagine you've been paying insurance to cover for 'major' events...not small ones - especially with £100 excesses?

opinions4u

Not insuring will significantly increase the likelihood of you choosing to have an ill animal put down.

Given your affiliation to your pet, I'd suggest continuing to insure.

dmg24

YorkshireBoy wrote: »

You'd need to get a new card almost every month to ensure you always had 9-12 months 0% remaining should such an "emergency" arise.

How about 'self-insuring'? Just put the £41 away each month in a savings account.

£41 is not going to go very far if treatment is needed next month. For that matter, even £492 saved over a year would not go far ...

opinions4u wrote: »

Not insuring will significantly increase the likelihood of you choosing to have an ill animal put down.

Given your affiliation to your pet, I'd suggest continuing to insure.

I wholly agree.

MrsTinks

1x visit to vet for dog with mystery bug... 3 nights in intensive care, on drip and pumped full fo drugs... £600... guess who was incredibly happy she always went for pet insurance! Before that 1x cat vs car incident... total bill after several operations and emergency call outs etc... £1500... at the moment the insurance for 2 10+years old cats and 1 6 year old dog is about £30 so I'll keep insuring
Try shopping around - what the insurances MIGHT do is exclude any existing conditions - so you might need to make up your own mind about if these would pose the majority of any potential future bills...