12yr old boxer petplan £90mth

swal87

Hi. I'm paying £90 per month for my boxer petplan covered for life policy that has risen from £30 over the years. 

Do you think I could get a better deal elsewhere? 

And

I'm now submitting a claim and on top of the excess £135, I'm also stung for an additional 20% age tax, that I wasn't aware of before. It all seems far too expensive, but with him being an older fog I'm worried about moving from petplan.

KxMx

The 20% co pay and excess would have been written on the renewal documents.

Anything pre existing and anything a new insurer considers pre existing (such as something discussed with Vet, on notes but not treated) and anything possibly connected to a pre existing illness would be excluded.

I appreciate £90 is a lot per month, but you are better off sticking with Pet Plan who are the best.

My monthly premiums with late cat were nowhere near £90, but what I did was make sure I had savings amounting to 20% of the annual cover and a few excesses.

I did end up needing to pay two excesses (policy renewed halfway through) and £700 odd for her final, and only illness. 

sheramber

Anything that you have consulted a vet about or anything that can be relate  to it- such as arthritis after a broken leg- will be excluded from  a new policy.
Although the premiums are high Petplan do not increase premiums if you make  a claim. Most policies do. 
AN extra amount on the excess when an animal is older is standard with many policies.
 

elsien

If you move, you will lose cover for any future illnesses that can be related to previous ones, if you can find anyone to cover a dog of that age.
Petplan do put the age related stuff on the renewal paperwork.
What it comes down to as dogs get older is what treatment you might or might not want to put them through, and whether if you put the money aside you could afford to cover any larger bills if you cancel the insurance. I stopped insuring my last girl when she was fairly rickety so most options were off the table. Having said that, a 48 hour stay in an out of hours hospital for the current incumbent just with tests and a drip for hypersalivation (I thought he’d poisoned himself) came to the best part of a grand.

You won’t get a better deal that offers the level of cover you have now. Only you can decide how long it’s worth it for. 

KxMx

Aa above another good point I always post about on here, my 13yo cat had a £3k bill just for diagnosis. Didn't persue treatment as it was terminal.

So it's not always extensive treatment that leads to a big bill.

DD265

I stopped insuring my horse for vets bills in his mid-20s. I concluded that due to some ongoing health conditions, what I'd be willing to put him through would be seriously reduced; no significant testing, surgeries etc. With a 12 year old dog, that might be a consideration.

Katiehound

Personally I never insure my dogs because I am in the fortunate position of having the funds IF I need them. Since one of my dogs is 13 I wouldn't accept anything invasive anyway.

12 years is a good age for a boxer.

With that kind of monthly cost I would be seriously wondering about saving it in a 'rainy day account' - plus the excess and the age tax. After all the total for the year comes in at over £1k.

(I do have third party insurance which comes with Dogs Trust membership)

lcc86

My parents recently had a renewal for their 11 year old dog (not a boxer) - £140 a month. They have only claimed once or twice in his entire life so have cancelled and will save the money each month instead. As others have mentioned, you have to consider whether you would put your dog through an op or treatment for something serious if you do this. They did take out third party insurance instead, I'm not sure if this is law, someone else may be able to advise if it is.

ladyholly

I pay about that for a 9year old Border Collie with adifferent compasny. I have looked for cheaper alternative but appears to be little difference.