Pet Insurance - Advice On Best Buy

pmat

the only advice i can give you is to avoid More Than. They'll take your money but don't want to pay out. Same as most Insurance companies I suppose.

Princess_Fiona_2

sk1n, thanks for the advice. Great picture. My littlun is quite a character. Im hoping when he is older to get an addition to the family. How do your 2 get on together. So far he get's on really well with other dogs but I know friends of mine with staffies have major probs with their dogs mixing with others. PF

Davidboy

Hi Take alook at these http://www.animalfriends.org.uk/
Not tried them myself but friend says they are good.

I would NOT recommend Pet Healthcare Services. Although they paid when our dog had treatment, as she is now old, they put the premuim up from £240 to £371 per annum+ £90 per claim. Tried to make excuses, but told them where they could stick there premium, and that was after 12 years as a loyal customer!! Now she is far too old to be insured by anyone with the exception of animals friends, they do take older dogs. Having said that we are risking it at the moment, may regret it but we shall see.

Be careful with insurance companies, when we started with Pet Healthcare services, premiums were reasonable but then started to go up and up as she got older, their statement orginally was your dog will ALWAYS be insured with us, yes but look what they flippin do, bung the premiums up so high, it does not become viable.

D

Roxie

Kimberley wrote:

so why not just stick £20 a month into a savings account just for your dog, that way it will build up, and if your dog never has to visit the vet, then you have a tidy little sum which is yours.

If you think about it, not many dogs have to visit the vets often. In 6 months by paying in £20 a month in a savings account, you will save £120, how many dogs have to visit the vets every 6 months..:)

This sounds fine in theory, but if a dog developes a condition needing long term treatment you could easily find yourself visiting the vets on a monthly basis and it costing a whole lot more than £20. Our dog has medication each month at a cost of £52, and visits the vet every 3 months for check ups. Luckily he is insured.

A lot of young dogs only see the vet once a year for their injections, but when they get older can develop problems, as we humans do, which need expensive treatment, and you are likely to find that you cannot obtain insurance for them at this time.

crazyspaniels

E&L are the curse of any dog lovers forum, most people hate them as they may be cheap but they are a nightmare when you need to claim.
Best ones are Marks and Spencers and PetPlan, you need one that will continue to pay for the lifetime of the illness and not a set amount or increase in premiums the following year. I have 4 dogs and so put money aside but if I only had one then insurance is the best bet, esp for the first year or 2 of your dogs life as thats when any major joint problems can appear and they are the really expensive things to sort out

stormCat99

When we bought ours we found Sainsbury's to be the best. £3.95 per cat, and not only were they cheapest, but also had the highest levels of cover in each category.

However they do not cover you for 'lifetime' illnesses which I realise is a risk. Took ours out about 1 year ago now so probably about time I reviewed it. We've already had to claim and they were very friendly, efficient and prompt at paying. I'd happily recommend them.