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  • FIRST POST
    • Redaspen85
    • By Redaspen85 9th Aug 18, 9:21 AM
    • 7Posts
    • 0Thanks
    Redaspen85
    Pet insurance
    • #1
    • 9th Aug 18, 9:21 AM
    Pet insurance 9th Aug 18 at 9:21 AM
    Iím hoping someone can help.

    We have a 9 year old collie/lab cross. He was insured until he was 6 in another country. When we moved back to the UK the insurance stopped.
    He has a cruciate ligament injury from years ago so we know anything affecting that wonít be covered (as it was in the previous insurance)
    We didnít get round to insuring him straight away and now we need to as heís getting older.
    We want a pet insurance that will pay for things like cancer, diabetes and heart problems, things older dogs get.
    Iím a bit confused as to all the different types of insurance, does anyone recommend one?
    We are in Scotland if that makes a difference.
    Many thanks
Page 1
    • sheramber
    • By sheramber 9th Aug 18, 1:50 PM
    • 5,313 Posts
    • 3,972 Thanks
    sheramber
    • #2
    • 9th Aug 18, 1:50 PM
    • #2
    • 9th Aug 18, 1:50 PM
    Look for lifetime cover that renews the vet fees each year. Some so called lifetime policies allocate a sum of money to each condition but once that is used up there is no more cover for that condition.

    Some insurances will consider a cruciate injury in a second limb as a linked condition to the first and not cover it. Nor will they cover any condition arising in the injured leg at a later date such as arthritis.

    Petplan are the Rolls Royce of pet insurance companies. They are not cheap but they do not increase premiums if you make a claim. Many companies do.

    Like all companies they do increase premiums based on increased running costs, vet fee payouts etc.

    Co-op insurance used to do the same as they had the same underwriters but I haven't checked their policy documents recently.

    Bought By Many negotiated premiums with established companies on the basis of a large number of applications getting a discount.

    They have recently brought out their own policies which offer some advantages over others. This is not a recommendation as I have not used them-( it is only when you claim that you really know what a company is like) but are worth looking at.
    https://boughtbymany.com/offers/pet-insurance/landing-dogs-and-cats/ppc/?&DD=pears&gclid=EAIaIQobC!!!!OaygIHg3AIVxUPTCh0KI wmiEAAYASAAEgLFifD_BwE

    Avoid any that are cheap- they re cheap for a reason- and any that have links such as underwritten by E & L as there are many reports of them avoiding paying out.
    • melbury
    • By melbury 25th Aug 18, 10:36 AM
    • 10,371 Posts
    • 16,760 Thanks
    melbury
    • #3
    • 25th Aug 18, 10:36 AM
    • #3
    • 25th Aug 18, 10:36 AM
    I am with Bought By Many and can definitely recommend them.

    Had to claim recently and the whole process took just 10 days - all done online, so no printing and manually filling in form then having to take it to the vet to complete their bit. They also keep you notified as to the progress of your claim etc. Very efficient.
    Stopped smoking 27/12/2007, but could start again at any time

    • sheramber
    • By sheramber 25th Aug 18, 10:41 AM
    • 5,313 Posts
    • 3,972 Thanks
    sheramber
    • #4
    • 25th Aug 18, 10:41 AM
    • #4
    • 25th Aug 18, 10:41 AM
    That is good to hear
    • Red-Squirrel
    • By Red-Squirrel 25th Aug 18, 6:39 PM
    • 3,453 Posts
    • 9,260 Thanks
    Red-Squirrel
    • #5
    • 25th Aug 18, 6:39 PM
    • #5
    • 25th Aug 18, 6:39 PM
    With your dog being 9 you might find that you can't get lifetime cover so any new conditions will only be covered for the duration of the policy.
    • fairy2
    • By fairy2 30th Aug 18, 12:30 PM
    • 129 Posts
    • 9 Thanks
    fairy2
    • #6
    • 30th Aug 18, 12:30 PM
    • #6
    • 30th Aug 18, 12:30 PM
    I think bought by many will cover it as they are doing lifetime cover for my very old cat.
    • elsien
    • By elsien 30th Aug 18, 12:34 PM
    • 17,372 Posts
    • 43,785 Thanks
    elsien
    • #7
    • 30th Aug 18, 12:34 PM
    • #7
    • 30th Aug 18, 12:34 PM
    You also find with older dogs that not only are the premiums higher, the excess is bigger and sometimes you still have to pay a percentage of the final bill on top, so it's important to check the small print.
    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.
    • Glad
    • By Glad 1st Sep 18, 5:32 PM
    • 17,914 Posts
    • 39,637 Thanks
    Glad
    • #8
    • 1st Sep 18, 5:32 PM
    • #8
    • 1st Sep 18, 5:32 PM
    there is an article on the main site that can help you choose pet insurance

    Cheap Pet Insurance
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