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Post by Palm on Sept 29, 2008 15:23:29 GMT -5
in less than 2 years of owning lucy we have claimed over £900 ....and thats only been for relatively minor accidental stuff (bloody whippet)
....and when one of our cats was hit by a car and dislocated his hip and needed hospitalisation we had a bill of almost £700 which petplan paid up immediately for.
i dread to think what it would cost if one of them developed a serious disiease or had a major accident. we have no savings to cover accidents so insurance is essential for us.
a friend asked about lucys op today which has cost almost £400 with the out of hours tratment yesterday and she sais we were so lucky we were insured. i said we werent lucky we were just careful to cover her and she said her dogs dont need insurance as they dont really have accidents........hmmmmm..hoe very stupid. i think i would insure even if we were better off.
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yeti
Ironing Piling Up
Posts: 312
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Post by yeti on Sept 29, 2008 17:29:00 GMT -5
I would always insure - yes it costs me £53 a month for the three dogs but that only works out at £636 a year. One emergency or one course of treatment can easily come to that so to my mind it usually pays for itself at least once a year. Totally agree with this - I speak from experience. About a year ago Monty broke his leg. £3,000 later he was mended. Even if I'd saved the amount I pay to insure all 7 I would still have been well out of pocket. For me a policy that provides cover for life is the only way to go to cover the possibility of a chronic illness as well as acute traumas like Monty's. |
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Post by blackdiamond on Sept 30, 2008 17:04:29 GMT -5
I haven't ever insured as i think sometimes it's a waste of money.
Scooby broke his leg last year which eventually entailed him losing it as after 7 long months of ops, fixators etc etc not working.
This cost me just over £2k.
I have a friend in insurance & she had said that most insurances wouldn't of paid out anyway due to the dog being off the lead.
Insurances will & have tried to get out of paying.
It is a chance i took & i don't regret not having insurance.
I have 2 horses which i don't insure either.
I took the Gold membership out with the BHS & save what i would normally spend each month on insurance into a bank account should i need it.
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Post by vickyb on Sept 30, 2008 17:50:49 GMT -5
I haven't ever insured as i think sometimes it's a waste of money. Scooby broke his leg last year which eventually entailed him losing it as after 7 long months of ops, fixators etc etc not working. This cost me just over £2k. I have a friend in insurance & she had said that most insurances wouldn't of paid out anyway due to the dog being off the lead. Insurances will & have tried to get out of paying. It is a chance i took & i don't regret not having insurance. I have 2 horses which i don't insure either. I took the Gold membership out with the BHS & save what i would normally spend each month on insurance into a bank account should i need it. Our Insurers paid out no problem when River trapped a nerve and badly hurt his leg after colliding with Gracie while both were off lead and they paid for acupuncture as well as the conventional treatment. I've met a few people whose insurers have paid out after their dogs ran onto roads and were hit by cars. Never come across a clause in any excluding off lead events, Vicky |
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Post by Flaperoo on Oct 1, 2008 10:29:30 GMT -5
I would always advise people to insure unless they had the funds to cover big bills at short notice and they were confident that their funds wouldn't run out in the long term iin case your dog has a chronic condition.
I have been amazingly lucky. All of my current and previous dogs have been amazingly healthy and not accident prone, and there are times when I have regretted taking out insurance.
Mx
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Post by vickyb on Oct 1, 2008 17:16:09 GMT -5
We had our last dog from 1yr to 14 yrs and never claimed on his insurance but have made lots of claims for River and Trixie, smallish amounts but have been grateful for it and with vets bills going up along with everything else decided to keep them insured as we just can't take the risk of something major needing treatment.
vicky
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Post by ZoeBean on Oct 3, 2008 5:03:11 GMT -5
I have a cat (no dog at the moment  ) and although she is a house cat we have her insured. The chances of anything happening to her are fairly low, but if she did manage to get out and get hit by a car or something we could never find the money for vet treatment, espcially with a baby on the way and the impending loss of my wages. I think it's worth it for peace of mind unless you know you can afford vets bills without having to sell everything you own! |
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Post by wallace on Oct 7, 2008 6:00:51 GMT -5
looking to insure both of mine one greyhound cross the other a whippet cross both about 31/2 years old the dearest was Tesco at £21. the cheapest Argos at £14 for both the excess differ from company to company between £60 to £90 so for peace of mind this is not dear to me it cost me £190 the last visit to the vets so nearly got my money back then
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Post by annar on Oct 7, 2008 16:13:36 GMT -5
remember to go for lifetime cover as not all poilicies offer this, some only last for 12 months per ailment. we use AXA and M&S anna.x.
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Post by Houndlover on Oct 8, 2008 6:47:36 GMT -5
remember to go for lifetime cover as not all poilicies offer this, some only last for 12 months per ailment Absolutely, this is more important for me than anything else |
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Post by sherbert on Oct 8, 2008 12:31:31 GMT -5
All 3 of mine are insured, 2 with Petplan and 1 with Axa.
Sherbert will be 9 next month and I don't think we've had a year when we haven't claimed on the insurance for him. Petplan have always paid promptly and with no fuss
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Post by Eric & Tinker's hooman slaves on Oct 8, 2008 12:59:16 GMT -5
does anyone know of any companies that just do 3rd party cover? thinking about my mums dogs
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Post by Nettie on Oct 9, 2008 5:06:24 GMT -5
does anyone know of any companies that just do 3rd party cover? thinking about my mums dogs Yes, I got 3rd party insurance from www.vip4u.co.uk/ who are a pet insurance brokers and found it for me. It was £21.00 per dog per annum. |
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Post by stussy on Oct 9, 2008 5:46:42 GMT -5
So who do people recommend? I just got a quote on axa which covers up to £7000 a year it was £12 per month, which i thought was quite good  |
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Post by vickyb on Oct 9, 2008 7:43:43 GMT -5
I moved to axa as a few people here including Anna recommended them but I've not claimed so far. Quote and excess and the fact its definately cover for life were all very good.
Vicky
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