Insurance for 9 year old dog

in Pets & Pet Care
20 replies 2.3K views
Hi, I've searched through the forums for advice on which company can offer insurance for a more "senior" dog. No luck.

My dog is 9 - and my research hasn't come up with an affordable option.

Can anyone recommend a company that doesn't charge a paw and a tail!?

Any suggestions greatly appreciated.
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Replies

  • elsienelsien Forumite
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    Once they hit 8 either premiums increase or there is a bigger excess and you still pay a percentage of the final bill. Plus there will potentially be all the exclusions for anything he's been treated for up till now.

    You might want to consider just third party insurance and self insuring fur any medical bills.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
  • Thanks Elsien, 8 years certainly seems to be the cut-off.

    Have you any recommendation for the third party insurance? (and yes - I'm putting money aside each month).
  • edited 27 March 2019 at 4:52PM
    elsienelsien Forumite
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    edited 27 March 2019 at 4:52PM
    I believe dogs trust do it, although I've not used it so haven't looked at the full cover.

    https://www.dogstrust.org.uk/get-involved/membership/
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
  • I did check them before and have jut done another quote. Seems cover is very VERY limited. £27 per month for just £1000 per year.

    They all seem to include a benefit if my dog dies - I'm not interested in that, just cover for vet bills should they happen.
  • Their quote says....
    Your Pet Cover includes these benefits as standard:
    • Vets Paid Direct
    • 20% Exclusive Discount for all New Clients
    • Choice of £1,000, £4,250 or £7,500 in vet fees
    • Ongoing Cover for eligible new conditions as standard
    • Simple and Quick Claims process when it‘s most needed

    But they don't seem to give a choice of claim limit on their web-site.
  • elsienelsien Forumite
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    That's not the third party though.
    If you become a member for £25 you get:


    3rd party public liability insurance for your dog – up to £1,000,000 per claim if your dog causes damage or injury to another person, their property or pets (an excess of £200 applies for the UK and £500 in the Republic of Ireland)
    Peace of mind with our Canine Care Card. The guarantee that Dogs Trust will take care of your dog should you pass away
    Unlimited access to VetfoneTM – a 24 hour emergency advice service from veterinary professionals*
    Wag! Magazine three times a year – packed full of doggy news, stories and tips
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
  • Thanks Elsien,

    Sorry if I'm being dim - but I'm a bit confused about how much of the vet bills they would cover.

    I'm not worried about what they cover, I'm sure they exclude obvious things, but as far as I can see they only cover up to £1000 of bills.

    Does anyone know of a company that would cover more than that in vet bills?

    Thanks for any help on this.
  • sherambersheramber Forumite
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    From my own searches Petplan will cover more, as will Tesco , or Morethan but they all come at a cost.

    Premiums are calculated on the breed,( statistics will show the likely hood of claims by a certain breed) the age ( older animals are more likely to have claims) and your post code ( which defines the level of costs your vet charges)
    Making a claim may also increase your premiums.

    You could also look at Bought By Many. Some people have reported being happy with policies they have offered.

    Morethan offered cover for my 14 year old crossbreed for £7000 per condition for £32- up from £27 the year before.

    Tesco offered similar.
  • sherambersheramber Forumite
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    Try Morethan, Tesco or Bought By Many who all have policies for older dogs

    Premiums are based on breed, age and your postcode so what is good for one person may not be good for someone else.
  • Try Morethan, Tesco or Bought By Many who all have policies for older dogs

    Premiums are based on breed, age and your postcode so what is good for one person may not be good for someone else.

    Thank you so much sheramber, I'll get quotes from them and report back.
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