Agria Pet Insurance renewal £419.19

Flachi10

Hi all, 

We've just had our insurance renewal for an annual amount of £419.19. This feels high, indeed it's an increase on last year's £365 which I hadn't quibbled but when looking at the average price of pet insurance I see prices of approx £100-150 a year. Am I payout outrageously over the odds here?

Our dog is only 3, not a particular special breed (Irish Doodle) and no ongoing health issues to date (touch wood).

la531983

Thats only a bit above 10%. Mines gone up 27% and the same circumstances (age of dog and no claim history) apply.

Really dont know where you have seen that average, even when I got the pooch 3 years ago I was paying nearly 300 quid for the year, spoke to people in the park who are paying eye watering amounts for their pets.

DullGreyGuy

Flachi10 said:

Hi all, 

We've just had our insurance renewal for an annual amount of £419.19. This feels high, indeed it's an increase on last year's £365 which I hadn't quibbled but when looking at the average price of pet insurance I see prices of approx £100-150 a year. Am I payout outrageously over the odds here?

Our dog is only 3, not a particular special breed (Irish Doodle) and no ongoing health issues to date (touch wood).

You say ongoing issues... does that mean there have been claims for non-ongoing issues?

Not sure where you are seeing that as the average price of pet insurance, most sources give a lot higher but it's very dependent on both where you live and what breed you have. 

Also remember that some people are buying budget policies which only payout for a short time on chronic conditions which will pull down the average premium but cannot be compared to a full fat life time policy

Flachi10

That's useful to know. I was Googling "average pet insurance UK" to see but who knows how accurate the sources were, maybe not at all :-) 

elsien

It also depends whether what your googling is for life cover because the cheaper ones aren’t in that skews the average amount as well.
i’m currently close to £100 a month for my 13 year-old cross breed dog. 

Flachi10

DullGreyGuy said:

Flachi10 said:

Hi all, 

We've just had our insurance renewal for an annual amount of £419.19. This feels high, indeed it's an increase on last year's £365 which I hadn't quibbled but when looking at the average price of pet insurance I see prices of approx £100-150 a year. Am I payout outrageously over the odds here?

Our dog is only 3, not a particular special breed (Irish Doodle) and no ongoing health issues to date (touch wood).

You say ongoing issues... does that mean there have been claims for non-ongoing issues?

Not sure where you are seeing that as the average price of pet insurance, most sources give a lot higher but it's very dependent on both where you live and what breed you have. 

Also remember that some people are buying budget policies which only payout for a short time on chronic conditions which will pull down the average premium but cannot be compared to a full fat life time policy

Just his coconuts and then he had a minor procedure to remove grass seed from his paw in July.

born_again

Flachi10 said:

Hi all, 

We've just had our insurance renewal for an annual amount of £419.19. This feels high, indeed it's an increase on last year's £365 which I hadn't quibbled but when looking at the average price of pet insurance I see prices of approx £100-150 a year. Am I payout outrageously over the odds here?

Our dog is only 3, not a particular special breed (Irish Doodle) and no ongoing health issues to date (touch wood).

Watch out for cheap prices.
Wee Dog got eye ulcer. Caught just in time, but cost over £1K in vet bill & drugs over 6 weeks. The threat was if they did not work was looking at a £3 to £4K operation at a specialist. 
5 year old dog, no pervious claims & paying just over £200 a year. Turns out that there was a £1K limit on a claim, less excess £99. (my fault for not checking🤬) 

So take any policies & really read the policy docs. Pet insurance is not as simple as it seems. Cheap = very limited cover/payout & restrictions going forward.
I have now learnt why the high monthly payments are there...

To get the level of cover for the worst case was over £100 a month. If you wanted lifetime & no exclusions for previous conditions.. Even worse, but too late for that now.

Decided this year, that Ins could swing & we will put money aside to cover anything.