Should I claim on pet insurance?

adzy77

Ok so long story short, our dog has been in the wars over the past few years resulting in operations on 2 legs by a specialist (pins, bolts the works!) Probably totalling over 6k in fees that we did claim for and as a result her premium has shot up quite quickly. 

Its currently just under £50 a month and will by nature jump up a fair bit every year now i guess even with no claims.

She was in the vets again at the weekend for xrays and hopefully not much more to come now, fingers crossed.

Current bill is £400. Im considering the option of just paying this out of my own pocket on the thought process that if i claim for this again, her premiums will increase by more than £400 over the next couple of years on top of the natural increase anyway.

Am I sound in thinking this, or am i missing something and should just claim for it?

Thanks

wannabe_a_saver

Even if you don't claim you will have to declare it and the premiums will rise anyway, you may as well get a bit of money back. 

adzy77

wannabe_a_saver said:

Even if you don't claim you will have to declare it and the premiums will rise anyway, you may as well get a bit of money back. 

That is true!

elsien

It depends who you are insured with. Petplan for example don't hoik up premiums due to claims but other insurers do.