Insurance recommendations for older rescue dog?

Pippwhips

I suggest is open an account put so much a week/ month what ever you can afford or what you would've had paid for insurance as they take in the age of the dog so it cost more.

ChasingtheWelshdream

Hi All,

Apologies for the delay in updating. So we were successful and our new bundle of fluff came to live with us two weeks ago with his 4 weeks free insurance. Now we have all the details I'm looking again at cover. We discovered he is actually 8, so I'm having to re-quote everything anyway.

We've got the vet history which literally says "tense when handling legs - back leg shakes however no lameness or issues otherwise" So far I've spoken to Pet Plan (who provide the courtesy cover) and they want a full vet checkup before they'll cover and were generally quite unhelpful. So they're excluded.

 Bought by Many have noted it but have said it doesn't need declaring for exclusion at this stage. If the leg ever needs a claim in future, they'll ask the vet to confirm if they believe it to be pre-existing and it may/may not not be covered. We're happy with that, but are now looking at prices as we're already on the £30-£45 mark, with a compulsory 20% co-payment when he's nine.

So, we're now looking at levels of cover. Lifetime is a must, but with options from £3-£15k, what is a sensible choice? £7 seems to be a standard but I have no idea if this is sufficient. 

Another quick comparison site suggests we could reduce to the £20 per month mark, with mandatory co-payment.  On the one hand, £10-25 per month saving is not to be sneezed at, and can be put aside to cover excess and future premium rises. On the other, is reduced premium likely to bite us in future, as Bought by Many  are happy to accept cover 'as is' for the time being. 

Any other thoughts? More Than, Purely for Pets and Animal Friends come up on the comparison sites. Any good/to avoid?

Thanks all. I'll get there eventually!

ladyholly

One of ours is with Direct Line. I have had two dogs insured with them and have had no problems except out vet wont accept direct payments for them now although they used to. Just had a calim and they have paid out within 3 weeks.

Vet

Try one of the policies which cover pre existing conditions e.g. bought by many

ChasingtheWelshdream

Apologies, I forgot to update this and don't want to be annoying. We went for the standard cover with Bought By Many. We reduced by opting for an excess and paying 20% of any claim, which we would have to do next year when he turns 9 anyway. Got it down to £33ish per month, so we'll see where we are at renewal next year. Thanks all for the advice.