Pet insurance

Onebrokelady

KxMx said:

I burned through £4k for diagnostics on a cat in 2019 (policy was for 7k).
There was nothing that wasn't absolutely necessary or done in the wrong order. 
Big bills don't always come from operations or extensive treatment.

These days 4k wouldn't go far cat or especially dog.

Yeah my last dog cost had thousands in vet bills but luckily they did pay out apart from the excess and co pay,th@t when they come into their own but it annoys me when the excess is a couple of hundred then a 10/20% co pay with means you end up paying out for all the smaller bills that don’t quite go over the threshold 

Rhyddid2026

If it's any help my 10 year old dog is currently insured through waggel for £26 a month. I haven't had to make any claims though so can't vouch for them other than insuring an old rescue for a reasonable amount.

sheramber

Onebrokelady said:

sheramber said:

You will have limited choice for cover starting at 8 years old.

Not a recommendation as I have not used them bit have a look at Many P ets as they do insure older dogs.

I did a comparison with compare the market and they came up with loads 

Make sure you read reviews of them before buying.

There are some who will find any excuse not to pay out. 

There are some who take ages to pay out. 

Check out the excess and co - pay you have to pay of each claim. 

What amount are you looking to insure for? 

Check with your vet if it is important that  your vet claims direct , rather than you paying up front and waiting for the insurance to recompense you. My vet would only direct claim from Petplan. 

Myci85

We've always gone with petplan, they're not cheap, and yes the cost increases as they age, but they've always paid out without any issue for us, and I'd rather pay more monthly knowing that, than go with a cheaper company and then find they leave you in the lurch whenyou need them. 

Our old dog we rescued at age 11 and whilst they'd normally not offer lifetime cover at that age, they did with rescues. She lived to 17 and half, and suffered with arthritis for probably the last 4 years or so, for which we were able to not only give meds, but also hydrotherapy and laser therapy, something we couldn't have afforded without the insurance. We had to pay the excess once per year, and then for the rest of the year of treatment we just paid a percentage. 

muzzie2

I don't know who you went with, but Many Pets has given me a renewal price for a never claimed, fit 7 year old labrador that is a 50% hike on last year. I have been warned that the renewal price will greatly increase every year from here on due to age related algorithms that the underwriters use.

I am presently trying to find an affordable insurance for an older dog (which will have to exclude eye and stomach as he had a runny tum and conjuctivitis twice as a youngster). Am reading so many stories about people being unable to insure oldies. It's awful.

thriftytracey

Just had my Purely Pets renewal and it has gone up by £100 to £390 a year. Molly, a terrier cross, is 11 and has never been treated for any illnesses or accidents so we have been fortunate. I wasn't going to shop around but maybe I should. I always go for Lifetime cover and £5000 limit per year although I realise this is probably not enough nowadays!

sheramber

https://forums.moneysavingexpert.com/discussion/comment/82076557#Comment_82076557

You are. Not likely to find a new company who well cover any pre existing conditions.

That is the drawback with pet insurance.

once you have claimed you are stuck unless you can afford to cover any treatment required for these excluded conditions