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    • Redaspen85
    • By Redaspen85 9th Aug 18, 9:21 AM
    • 7Posts
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    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
    • 4,975 Posts
    • 3,720 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.
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