Expensive Dog Insurance

marc81

Hi,

We have 2 dogs, a 14yo lab x and a 10yo terrier.. Morethan are charging us £76 and £42/month respectively to insure them... almost £1500 a year which is crippling us. Unfortunately the lab has ongoing claims for arthritis medicines. We have to pay £75xs per year and i think the first 20% of any claim. Do Morethan have us over a barrel or are there any other options apart from not insuring?

Thanks,

Marc

zaksmum

marc81 wrote: »

Hi,

We have 2 dogs, a 14yo lab x and a 10yo terrier.. Morethan are charging us £76 and £42/month respectively to insure them... almost £1500 a year which is crippling us. Unfortunately the lab has ongoing claims for arthritis medicines. We have to pay £75xs per year and i think the first 20% of any claim. Do Morethan have us over a barrel or are there any other options apart from not insuring?

Thanks,

Marc

That IS expensive. When Direct Line put my last dog's premiums up to nearly £50 a month when he turned 10, I switched to M&S who charged about £16 a month if memory serves me right. He had no pre existing conditions at the time though.

I'd suggest trying them but as your lab does have pre existing conditions that's no good.

I do sometimes think we'd be better off putting the money in a separate account and just paying the vet bills as and when, but as your dogs are getting on a bit it's not a good idea now.

Perhaps if you get some quotes you might find a better deal that will cover the pre existing conditions too.

krlyr

You could consider moving insurers. You won't be covered for the arthritis, or any other pre-existing conditions, but you may find the savings in premiums balances out, and you have the safety net of being insured for anything else.

Sourcing medication cheaper online may be cheaper than direct with you vet, if that's not something you do already.

http://dogaware.com/health/arthritis.html is a fab resource for arthritis in dogs

Old_Joe

I have a recue dog which I didn't insure.
Two months ago it needed a cruciate ligament operation costing £1,000 plus additional costing about another £100.