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Pet insurance - claim or not?
Options
noitsnotme
Posts: 1,335 Forumite
Doggy had a minor op recently. Total bill £700. If we put an insurance claim in there is a 20% deduction due to age (8 years) plus the excess so would only get around £500 back.
Not sure whether to claim and risk the future premium increases clawing back the £500 in no time at all. Or just suck it up and not bother claiming in the hope premiums don’t increase as quickly.
We can afford to not make the claim if it’s the better long term financial option.
What would you do?
Not sure whether to claim and risk the future premium increases clawing back the £500 in no time at all. Or just suck it up and not bother claiming in the hope premiums don’t increase as quickly.
We can afford to not make the claim if it’s the better long term financial option.
What would you do?
0
Comments
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If it's Petplan, claim. The premium will not increase significantly. We claimed £9.5K last year (paid 20% plus the excess because of age). Her monthly premium went from £38 to £46.
Make £2025 in 2025
Prolific £229.82, Octopoints £4.27, Topcashback £290.85, Tesco Clubcard challenges £60, Misc Sales £321, Airtime £10.
Total £915.94/£2025 45.2%
Make £2024 in 2024
Prolific £907.37, Chase Intt £59.97, Chase roundup int £3.55, Chase CB £122.88, Roadkill £1.30, Octopus referral reward £50, Octopoints £70.46, Topcashback £112.03, Shopmium referral £3, Iceland bonus £4, Ipsos survey £20, Misc Sales £55.44Total £1410/£2024 70%Make £2023 in 2023 Total: £2606.33/£2023 128.8%1 -
It’s not Petplan, it’s with LV.0
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35har1old said:
What breed of dog is that forSlinky said:If it's Petplan, claim. The premium will not increase significantly. We claimed £9.5K last year (paid 20% plus the excess because of age). Her monthly premium went from £38 to £46.
A short haired cat
Make £2025 in 2025
Prolific £229.82, Octopoints £4.27, Topcashback £290.85, Tesco Clubcard challenges £60, Misc Sales £321, Airtime £10.
Total £915.94/£2025 45.2%
Make £2024 in 2024
Prolific £907.37, Chase Intt £59.97, Chase roundup int £3.55, Chase CB £122.88, Roadkill £1.30, Octopus referral reward £50, Octopoints £70.46, Topcashback £112.03, Shopmium referral £3, Iceland bonus £4, Ipsos survey £20, Misc Sales £55.44Total £1410/£2024 70%Make £2023 in 2023 Total: £2606.33/£2023 128.8%0
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