Dog Insurance

Dollardog

marmitepotato wrote: »

My old boxer was with Pet Plan, they always paid out, but as she got older the premiums shot up to £113 a month, with an £120 excess for every condition and I also had to pay 20% of every claim. Towards the end of her life it was very very expensive for us to keep up with exactly what we owed the vets and Pet Plan. There was no mention of all these excesses when we first took the policy out.

Wow, that is an horrendous amount, I hope I don't end up having to pay excesses as well as %ages as well.
I have always read good reports on here about Pet plan, being expensive initially, but then not putting the premiums up as bad as the others as they got older, I didn't realise any of this about the premiums, excesses and %ages.

Perhaps I did make the best choice in Sainsbury's after all as although the premiums have gone up considerablly, I have not, up to now, had to pay any extra excesses or %ages. Time will tell perhaps.

gettingready

Zara's insurance (Argos Platinum) is about £48 per month now and I am dreading the reneval at the end of October...

But her hip replacement was paid for (£5700 at FR and over £500 Xrays at the referring vet) and she will need the other one done too so.....

Can not imagine not having my lot insured... sigh...

mrs_sparrow

I cannot remember who is with Sainsburys for insurance - if you are considering going with them, these reviews might give you some food for thought: http://www.reviewcentre.com/reviews57563.html

There are reports of their being a £125 excess or 15%. Do not be tempted to think you are getting a better deal if you are not paying an extra % excess on an elderly dog - they will get you somewhere along the way.

Dollardog

mrs_sparrow wrote: »

I cannot remember who is with Sainsburys for insurance - if you are considering going with them, these reviews might give you some food for thought: http://www.reviewcentre.com/reviews57563.html

There are reports of their being a £125 excess or 15%. Do not be tempted to think you are getting a better deal if you are not paying an extra % excess on an elderly dog - they will get you somewhere along the way.

It was me who has a dog with Sainsbury's, I've just read several of the reviews in the link. I have to say that I have not had any problems making claims so far, they have paid up very quickly, direct to the vet.
I think it seems whichever company you are with, they are going to get their money back somehow. Petplan used to get good comments on here until recently and I
had regretted not going with them but it seems they have a high excess plus a %age.
Unfortunately, it seems that we don't find out the pitfalls until it is too late and they have us cornered with nowhere we can go.