Pet Insurance & Dog's Trust

Good move, M. Pet insurance sometimes seems to be no insurance at all. 

Never had pet insurance, i got a couple of quotes and the opened a serarate bank account and put that months premium in , if something happened to her then we have a bit of money to help pay if not we still have the money

and i support the dogs trust and then the bounus of third party insuance

We are insured by Pet Plan for our 2 year old Labradoodle. In Julne she was diagnosed with Lymphoma and we nearly lost her. She is now having chemotherapy.  Bristol Vet school submits their invoice to Pet Plan who have paid straight away. They have been excellent and taken away the stress on the financial side. They may not be the cheapest but in my opinion it is worth every penny and cannot speak highly enough of them. It appears that the older the dog the more expensive the fees are.

It's not only premiums that increase as the pet ages, KW, but as Moulesy found it's changes to excess levels and the percentage of a claim paid. We binned our insurance for exactly the same reasons as, M. However, I think it's useful to have as long as the cost is reasonable and it's good that it's working for you. I hope your dog does well.

Same as moulesy...we gave up on expensive pet insurance. Third party insurance through dogs trust, and put money into an account in case of vet fees. 

We've never used pet insurance, I feel if we can't afford vet fees we probably can't afford the expense of keeping pets. I tend to discuss with the vet whether any specialist treatment is truly viable although I know advances have probably been made due to funding via insurance. I support the PDSA in their work especially for anyone who benefits from the company of a pet. 

I used to insure dogs years ago and the premiums just seemed to go up and up.  I also now use the Dog's Trust for 3rd Party - however I think a lot of household policies cover this too. 

Before moving to Cornwall i worked at a pet insurance company for many years and enjoyed a good discount on my premiums at the time.When i left the company i had to keep the policies running as Max suffers from arthritis and this would be excluded with a new company.

Both my dogs are over 10 and i currently have an excess of £150 plus10% of the remaining amount. I usually need to make a claim every two months for Max , however a couple of weeks ago Max took ill and ended up in doggy hospital for 6 days with Pancreatitis and i ended up with a bill just short of £2,000 . I would have found the money if needed but i was happy i was insured especially when there was some talk of a CT scan. Its all down to personal choice and circumstances and getting the right insurance company and policy.

What i did find personally distressing at work was talking to customers who could not afford their pets treatement as they did not have adequate cover or missed payments and in some cases having to have their pets put to sleep due to this.

So to me insurance is a necessity.

When Lizzie was ill in May our vets bill came to just over £1200.  We then had to pay the first £100 and 20% of the remainder.  It took them from May to the end of July to settle the claim. As a result, I shall be looking around for another insurance at renewal time.  In many respects I wished I had gone for Pet Plan, but it is expensive.  I guess you get what you pay for!

David 

haven't bothered as unless you lie (not in my nature) insurance for working dogs is horrendous and probably riddled with clauses. Luckily I am able to afford any bills so I do not concern myself with it