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    • dacouch
    • By dacouch 18th Jun 12, 10:22 AM
    • 20,736 Posts
    • 12,848 Thanks
    dacouch
    Hello , I've got a 4 year old British Bulldog , and I'm currently insured with Petplan , but over the last 3 year the insurance has gone up from £44 a month , to now £62 a month , this is for life cover ..
    Does anyone know of any other good, 4 Life cover pet insurers ??
    Originally posted by Jonny_doe
    British Bulldogs are expensive to Insure due to the hereditary and congenital health problems.

    Pet Plan include cover for hereditary and congenital, whereas a lot of other Insurers do not. If you do look at other Insurers make sure they do not exclude these as the claims can be very expensive
  • penny_pincha
    Anyone know about Agria Pet Insurance?
    • dichapman
    • By dichapman 24th Jun 12, 10:53 PM
    • 48 Posts
    • 20 Thanks
    dichapman
    any one got experience of insuring rescue dogs? I have just got one from the dogs trust, who they think is 11. no known health problems. Not convinced on the age myself but how do i fill the forms in with no date of birth or history?
    • UKTigerlily
    • By UKTigerlily 25th Jun 12, 1:17 AM
    • 4,514 Posts
    • 5,690 Thanks
    UKTigerlily
    any one got experience of insuring rescue dogs? I have just got one from the dogs trust, who they think is 11. no known health problems. Not convinced on the age myself but how do i fill the forms in with no date of birth or history?
    Originally posted by dichapman
    Congrats on your new dog & for taking a rescue

    Just tell them the estimated age & they should be fine with that, my own rescue was estimated to be 6 when I got her, I later found her correct DOB & both times they were happy to adjust what I said x
    • Spudsey
    • By Spudsey 16th Jul 12, 1:20 PM
    • 160 Posts
    • 157 Thanks
    Spudsey
    I am looking at getting insurance for my two cats. However one of the questions on the quote was any existing medical conditions. Well there is nothing wrong with my cats, but I have been to the vets before as one of them sprays so he had to have a urine test at the vets which came back ok. Would this be classed as an existing condition?
    • Bromley86
    • By Bromley86 17th Jul 12, 11:35 AM
    • 1,106 Posts
    • 479 Thanks
    Bromley86
    Only they can say, and from my experience they (all insurers) won't assess it until you need to make a claim. But no harm in asking them (remember if you do claim they will likely want access to full medical history, so they'll find out about the visit anyway).

    You might have more luck if you put it in writing rather than asking over the phone.

    Anyway, if you do apply, I'd tend to not mention it on the form as a condition, as you haven't been treating it as such. But if the form asks about vet visits, mention it there.
  • Nyzomie
    I have just had a very expensive experience with pet insurance, I have two dogs which are insured with Petpals, Furness House. One of my dogs had an infection in her ovaries which spread to her uterus, all had to be removed. Total cost over£700 which we had to find ourselves as Petpals said those items were not covered with their insurance.
    • Bromley86
    • By Bromley86 25th Sep 12, 2:41 PM
    • 1,106 Posts
    • 479 Thanks
    Bromley86
    Did they say why?
    • reehsetin
    • By reehsetin 26th Oct 12, 12:55 PM
    • 4,818 Posts
    • 4,554 Thanks
    reehsetin
    The Rabbit welfare and association have posted on facebook about this guide prompting me to post.
    I urge you to please please please change the wording of this paragraph.
    "While not a pleasant thought, given the type and cost of the small animals in this category, it is worth considering in the cold light of day what your attitude would be to putting the animal down if it became ill - to decide whether insurance is worth the cost. One alternative here is self-insurance."
    I really hope this was not meant to mean as it sounds, that putting a beloved pet for financial reasons is an option.
    Whilst understanding that MSE exists to save people money people must be urged to honour their responsibilities!
    Yes Your Dukeiness
    • tiz
    • By tiz 27th Oct 12, 10:55 AM
    • 106 Posts
    • 126 Thanks
    tiz
    I completely agree with the above. I think it's appalling to imply that small animals are a commodity that should be thrown away if replacement is cheaper than repair. What a completely irresponsible attitude.

    If you're going to take that view you should never get a pet in the first place. You should consider very carefully the cost implications before getting a pet and have plans in place for coving vet bills and care costs.
    • Hillbilly1
    • By Hillbilly1 28th Oct 12, 6:09 PM
    • 593 Posts
    • 1,071 Thanks
    Hillbilly1
    I have just had a very expensive experience with pet insurance, I have two dogs which are insured with Petpals, Furness House. One of my dogs had an infection in her ovaries which spread to her uterus, all had to be removed. Total cost over£700 which we had to find ourselves as Petpals said those items were not covered with their insurance.
    Originally posted by Nyzomie
    Bromley, this is a womb infection that is preventable with spaying. Most insurers do not cover anything related to the reproductive system unless they are specialist breeders insurance.
    NOT a NEWBIE!

    Was Greenmoneysaver. . .
  • Doonhamergeordie
    LV pet insurance
    Just been digging around for a good pet insurance policy and found the one from LV to be really good value.
    Low premium, fantastic cover, low excess (compared to some).
  • andyroo64
    Pet Insurance
    Hi Dan

    I have just been rip off by Sainsbury's 118% increase in cover just because of a £200 claim! PetPlan do not do this, so i have moved, wish i checked them out before! These supermarkets always seem to make things seem much cheaper than others giving you points or other insentives, then in most cases with dogs you have to claim for something then the increases happen.
  • andyroo64
    pet insurance
    Hi cheap is not always good! Sainsbury's offered Nectar and discounts to insure my golden retriever for £13.52 per month. year on and 1 small claim of £200 now they want £29.67 per month. Petplan do not increase if you claim but, do charge more! Insure for life long illness otherwise they get you for that too.
    • marmitepotato
    • By marmitepotato 25th Nov 12, 10:11 PM
    • 974 Posts
    • 2,034 Thanks
    marmitepotato
    I beg to differ. My old boxer was insured with PP, every single time i made a claim my premiums went up substantially the following year. PP never quibbled about any claim I made tho.
    • ka7e
    • By ka7e 26th Nov 12, 4:45 AM
    • 2,486 Posts
    • 2,024 Thanks
    ka7e
    I have just had a very expensive experience with pet insurance, I have two dogs which are insured with Petpals, Furness House. One of my dogs had an infection in her ovaries which spread to her uterus, all had to be removed. Total cost over£700 which we had to find ourselves as Petpals said those items were not covered with their insurance.
    Originally posted by Nyzomie
    I know this is an old comment, but it proves you really need to read policies carefully. Petpals offer a very basic policy, which only covers NAMED conditions. Womb infections are relatively common in unspayed dogs and most policies will cover the cost of an emergency spay.Your premium may be a tad higher for unneutered dogs and only specialist policies can cover conditions relating to breeding. But an emergency spay is NOT related to breeding and I would avoid any policy that excluded it if I had an unneutered b1tch.
    "Cheap", "Fast", "Right" -- pick two.
    • katies mum
    • By katies mum 6th Dec 12, 11:47 AM
    • 2,104 Posts
    • 256 Thanks
    katies mum
    I`ve just had my renewal from Argos for a 2 year old Old English Sheepdog..gone from £22.77 a month to £28.17 (£60 increase and I have not made a claim) they also say our insurance has been transferred to RSA.
    I see some of you have recommended John Lewis so am going to get a quote from them, (Pet Plan was too expensive as they class Harry as a special breed) can anyone recommend any other companies worth getting quotes from?
    Thanks.
    • katies mum
    • By katies mum 6th Dec 12, 4:54 PM
    • 2,104 Posts
    • 256 Thanks
    katies mum
    Just got a quote from John Lewis £20.82 a month £249.79 and one from AXA £24.77 a month £297.18.
    Think we might go with John Lewis for the next 12 months...
    • Bromley86
    • By Bromley86 6th Dec 12, 9:00 PM
    • 1,106 Posts
    • 479 Thanks
    Bromley86
    I see some of you have recommended John Lewis so am going to get a quote from them
    "We have carefully selected Royal & Sun Alliance Insurance plc to underwrite John Lewis Pet Insurance."
    http://www.johnlewis-insurance.com/homepage/customer-services/about-us.html#pet

    Not that RSA is necessarily bad, but I thought you should be aware of that.
    • katies mum
    • By katies mum 22nd Dec 12, 2:08 PM
    • 2,104 Posts
    • 256 Thanks
    katies mum
    I`m still pondering on the John Lewis policy...The argos one we had has just been underwritten by Royal & Sun Alliance and the premium has increased substantially. Even though John Lewis policy is underwirtten its still in their name and I`m thinking that they wouldn`t piddle you about if you unfortunately had to make a claim.
    Pet Plan are far too expensive (would love one of their policies as used to have one for our previous Old English).
    AXA is slightly more expensive but not sure if it would be better.

    Can anyone who has a JL policy make any comments or suggestions as to how it is and if they have had to make any claims...
    I`ve read a recent posting about AXA, but I also know that they underwrite their own policies so not sure if this is better.

    Any info, suggestions, advice anyone can offer would be really helpful.

    Many thanks
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