Should I bother with insurance for dog

Frugal_Dreamer

I have a 1 year old rescue dog and the free 4 weeks insurance is about to run out.

Should I get insurance? Should I wait until she is slightly older?

I have sufficient savings for emergencies at the moment.

Caroline_a

Yes of course you should carry on with the insurance. You say you have enough saved for emergencies, but do you really have enough for, say, several cruciate ligament operations? That will run into many thousands.

If you wait until the dog is older then your insurance will be higher anyway.

MrsAtobe

Yes, insure! Our spaniel unexpectedly got onto the railway tracks last week, sadly she did get hit. She survived the impact but had a head injury, and the insurance meant that when the vets had stabilised her, and advised that she should be transferred to a vet hospital for a specialist neurological examination, that I didn't have to worry about the cost, I could just tell them to do their best for my little girl.

Sadly her injuries were too great, they couldn't guarantee that she would ever regain consciousness, let alone recover from them .

If they had been able to treat her, they told me that it would cost £15-£17,000 to treat and nurse her. Got that sort of money hanging around? Because I don't. The accidental death insurance is also paying for her to be cremated separately, and her ashes returned to us in a casket.

I couldn't imagine going through what I did on that day, and then having to pay for it as well.

gettingready

Of course insure - and make sure you do it 2 weeks before the current policy expires as the new policy will only kick in 2 weeks after you take it.

And as we have seen many times (even on here) things tend to happen in between.

Make sure it is a decent insurance too, for a dog a minimum 7k per year (life policy not per condition), 10k per year even better.

"Wait till older" - you are running a risk of something happening and then not being abel to get insurance as this would be a pre-existing condition

Person_one

For a one year old healthy dog, yes I would insure.

I wouldn't in all circumstances though, my two aren't insured, its not always the right decision so don't feel as though you were wrong to ask.

zaksmum

MrsAtobe wrote: »

Yes, insure! Our spaniel unexpectedly got onto the railway tracks last week, sadly she did get hit. She survived the impact but had a head injury, and the insurance meant that when the vets had stabilised her, and advised that she should be transferred to a vet hospital for a specialist neurological examination, that I didn't have to worry about the cost, I could just tell them to do their best for my little girl.

Sadly her injuries were too great, they couldn't guarantee that she would ever regain consciousness, let alone recover from them .

If they had been able to treat her, they told me that it would cost £15-£17,000 to treat and nurse her. Got that sort of money hanging around? Because I don't. The accidental death insurance is also paying for her to be cremated separately, and her ashes returned to us in a casket.

I couldn't imagine going through what I did on that day, and then having to pay for it as well.

Sorry for your loss Mrs Atobe

_Andy_

Absolutely yes..pretty much a basic part of owning a dog IMO

unholyangel

gettingready wrote: »

Of course insure - and make sure you do it 2 weeks before the current policy expires as the new policy will only kick in 2 weeks after you take it.

Wouldnt it be wise to check T&C's first? I've seen clauses before along the lines of if you have 2 insurance policies, it invalidates your cover - regardless if you only claim from one.

gettingready

If you do not - you end up with no cover between the old policy expiring and new kicking in after the first 2 weeks.

krlyr

gettingready wrote: »

If you do not - you end up with no cover between the old policy expiring and new kicking in after the first 2 weeks.

But if the T&Cs of either policy disallowed it then you effectively have no cover but you're paying out twice for the priviledge..not very MSE! Saying that, none of the policies I've had have, have disallowed it, but I have always checked (small print and phoning to ask)

gettingready

Never seen this disalowed.