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What TYPE of pet insurance is "best value"

danthemoneysavingman
Posts: 1,403 Forumite



Comments
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Please leave a comment about your choice, if you have a moment
I assume you may choose a different type dependent on your pet's age, e.g. Time Limited when they are younger, Lifetime when getting older. Thoughts on this also encouraged!Friendly greeting!0 -
You missed out do not have any.
We have a set aside fund in case.Life in the slow lane2 -
born_again said:You missed out do not have any.
We have a set aside fund in case.Friendly greeting!0 -
born_again said:You missed out do not have any.
We have a set aside fund in case.
Self insurance is a valid option but people have to be aware of what the costs could be (which I know you are).2 -
LifetimeThe best value one is the one that pays out when you need it without any problems. Our cat had a £9.5K bill when struck down with lung cancer. Lifetime with Petplan is the ONLY thing I would go for with pet insurance. They continued to cover her for the same condition even after policy renewal. Unfortunately for us the cancer returned and we took the ghastly decision to have to have her put to sleep, although another operation would have been covered by PetPlan. I was surprised to find that they covered the cost of the euthanasia.Most insurance won't cover existing conditions if you change company, so attempts to save money while the animal is younger could backfire on you. Beware the companies that won't give ongoing cover after policy year end either.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 -
I went with Petsure (not petplan) on a lifetime plan covering a pre-existing condition which could be expensive.
We had a large claim shortly after inception and it was paid without issue, also hydrotherapy, physio etc. no expense spared.
It was great for our dog to have everything without us having to worry about the cost.
I just wish I'd taken the travel cover as I had to cancel a holiday. I was not aware that pets could get treatment very quickly i.e. same/next day, as humans would be on a wait list.1 -
lisyloo said:born_again said:You missed out do not have any.
We have a set aside fund in case.
Self insurance is a valid option but people have to be aware of what the costs could be (which I know you are).
Friendly greeting!0 -
Slinky said:The best value one is the one that pays out when you need it without any problems. Our cat had a £9.5K bill when struck down with lung cancer. Lifetime with Petplan is the ONLY thing I would go for with pet insurance. They continued to cover her for the same condition even after policy renewal. Unfortunately for us the cancer returned and we took the ghastly decision to have to have her put to sleep, although another operation would have been covered by PetPlan. I was surprised to find that they covered the cost of the euthanasia.Most insurance won't cover existing conditions if you change company, so attempts to save money while the animal is younger could backfire on you. Beware the companies that won't give ongoing cover after policy year end either.
Anyone else had good OR bad experience when claiming? Name and praise/shame! please.
Friendly greeting!0 -
danthemoneysavingman said:lisyloo said:born_again said:You missed out do not have any.
We have a set aside fund in case.
Self insurance is a valid option but people have to be aware of what the costs could be (which I know you are).
I'm a fan of self insurance in certain situation, you just have to be prepared.0 -
Lifetime with petplan.
Never had any problems with them paying out. With my previous dog who had a lot of ongoing smaller health issues I got more back than I’ve paid in over the years. If I have had any sort of time limited cover, it wouldn’t have paid out after the first year.
Current dog has been healthier until the last 12 months and Its like any insurance - you pay for the “what if’s. It cost me the best part of a grand a few years ago for a weekend overnight stay with tests but no treatment in our of hours very expensive hospital. I would rather pay the premium, than have a bill of thousands in an emergency.Little point getting lifetime later on in life because any pre-existing conditions will be excluded.I tend to stop the cover at the point where if they get seriously ill I’m not going put them through any major treatment due to their age.All shall be well, and all shall be well, and all manner of things shall be well.
Pedant alert - it's could have, not could of.1
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