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Insurance

Discussion in 'General Dog Forum' started by Derekmr, May 17, 2018.

  1. Derekmr

    Derekmr New Member Registered

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    hi
    What insurance company do you all use??
    Thanks
     
  2. Sezzy

    Sezzy Well-Known Member Registered

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    I use Petplan for Misty and haven’t had any complaints with them so far.
     
  3. JoanneF

    JoanneF Well-Known Member Registered

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    Whichever company you use my advice is to get quotes for lifelong cover - that means if your pet develops a long term condition like diabetes for example, the cover won't stop at the end of the year.
     
  4. Mad Murphy

    Mad Murphy Well-Known Member Registered

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    No medical ins but I do have 3rd party public liabilty
     
  5. Violet Turner

    Violet Turner Well-Known Member Registered

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    We used to use PetPlan, then we changed it to Tesco
     
  6. Kayak

    Kayak Active Member Registered

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    I don't have my dogs insured, I just put money aside in a separate bank account.

    My dog isn't prone to serious injury or accident or health issues so this is a better way for me, maybe I'd insure a dog that was more likely to have health problems. Kay's been to the vet for three separate things in nearly 8 years so I'm glad I just have an emergency fund instead of insurance!
     
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  7. arealhuman

    arealhuman Well-Known Member Registered

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    Sainsbury's. Same underwriter as PetPlan, slightly cheaper, and double Nectar points for 2 years. Don't forget, insurance will also cover liabilities as well, such as if you dog causes damage and the like.
     
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  8. Biker John

    Biker John Well-Known Member Registered

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    I'm another that just puts money into an account, have done for many years. (At present the dogs fund makes Folly quite well off, but don't tell her). I do have third party insurance though.
     
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  9. Caro Perry

    Caro Perry Well-Known Member Registered

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    Choose wisely because if/when you have a claim you'll effectively be stuck with that insurer from then on as any subsequent insurer will not cover a pre - existing condition.

    I've already had one big claim for Harri in the first 6 months of my policy which is more than the cost of 2 years premiums.
     
  10. Derekmr

    Derekmr New Member Registered

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    What tier are you on if I can ask?
     
  11. arealhuman

    arealhuman Well-Known Member Registered

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    I have no idea! I didn't realise there were tiers. I'll have to dig out the paperwork when I get a minute.
     
  12. Derekmr

    Derekmr New Member Registered

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    They seem to do standard and then lifetime
    Is lifetime really worth it?
     
  13. arealhuman

    arealhuman Well-Known Member Registered

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    Ah, in that case we must be on standard then. They've written to us to tell us that next year the cost will go up and the level of cover go down due to our dog's age (he's only 7!), so we're going to review it then.
     
  14. JoanneF

    JoanneF Well-Known Member Registered

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    My view is yes - if your dog develops a long term condition, it would not be covered after the renewal date if you didn't have lifetime. So meds for things like epilepsy, diabetes etc would not be covered. What breed of dog do you have, some are at higher risk of certain conditions?
     
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  15. Derekmr

    Derekmr New Member Registered

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    Hi
    A red lab, if that helps?
     
  16. JoanneF

    JoanneF Well-Known Member Registered

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    Hip and elbow dysplasia and a number of eye conditions affect labs. The risk is reduced if both parents were treated clear.
     
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