Changing pet insurance - Bought By Many?

dacouch

MarkBargain wrote: »

I'd always suggest people keep sufficient savings to cover any emergencies in life, from the pet falling ill to the boiler packing up. If the OP has been paying £330 a year pet insurance and claiming £150 a year for 8 years (after excess I presume), that's £1,440 which could now be in a savings pot (+ interest).

Pet Insurance for Dogs increases substantially once the dog is eight years as this is the age that claims generally start due to the dog's age.

Self Insurance from the age of eight on wards carries a greatly increased risk an without the cushion of any earlier savings. Although cross breads do tend to be slightly hardier than pedigree dogs

MarkBargain

WD1234 wrote: »

Going with a new cheaper provider seems sensible to me. You seem to have taken into account that they will not cover for pre existing conditions, which i presume is just the skin condition.

Check Topcashback too.

http://www.topcashback.co.uk/pet-insurance/cashback/

MarkBargain

dacouch wrote: »

Pet Insurance for Dogs increases substantially once the dog is eight years as this is the age that claims generally start due to the dog's age.

Self Insurance from the age of eight on wards carries a greatly increased risk an without the cushion of any earlier savings. Although cross breads do tend to be slightly hardier than pedigree dogs

True, but I expect they work out the premium each year to cover the risk + operating costs + profit. If they want £660 for the dog's 9th year, what on earth would they charge for the dog's 15th year?! It sounds to me like these policies could become unaffordable just when they are needed.

deebee731

A new concept apparently. Somebody with 6 dogs recommended this site to us today (4 of them Irish Wolfhounds - so they won't be cheap to cover).
They were very pleased with the option to tailor individual policies. Googled reviews of the company and they seem promising.
Will see how it goes for us.

Viking_mfw

Just a word of caution: my mother was a vet and used to see a lot of problems arising out of people switching to cheaper pet insurance, ie things mysteriously became no longer covered. Make sure you are definitely getting like for like, and especially that it would be a whole of life policy.

Terri_Berg

Some recommend not having pet insurance and saving £650 (as written on forum) to pay any vet bills that would be covered. NO NO NO. Surgery can cost anything from £300 - £10000.

And for the person who suggested insurance good for dentals. Wrong. For a scaling and check I just paid £320 for my dog (no extractions) and regular dental of this kind is NOT covered by any insurance company.

sheramber

It is a gamble.

My dog required surgery coasting £3000 1 year after we got her.

All bar the excess £90 paid by her insurance.

I have , to date, paid 8 years of premiums ranging from £22 to £30 per month.

I have still received more from the insurance than I have paid in and had the peace of mind that had she needed any other treatment she would be covered for that.

elsien

OP written over 3 years ago.
Shame no one came back with the bought by many feedback.

sheramber

Someone has reported on another thread that he uses them and his claim was settled with no problems.