Dog insurence advice please.
Discussion
I currently have a free months insurence with my Puppie, this is with Petplan, today we got a quote off them, 70 pounds per month, now whilst we are all PH Redbull throwing Company directors that is feekin steep.
I've had Tesco recommended that's about 35 a month, I find it amazing that my Dog is going to cost more that my house and contents to insure.
Is it worth insuring my Dog?, he is a Bullmastiff, I am aware of health problems, his mother was a bullmastiff his farther an English mastiff, so can I say he is a crossbreed? Any advice around this minefield is welcome. ..
I've had Tesco recommended that's about 35 a month, I find it amazing that my Dog is going to cost more that my house and contents to insure.
Is it worth insuring my Dog?, he is a Bullmastiff, I am aware of health problems, his mother was a bullmastiff his farther an English mastiff, so can I say he is a crossbreed? Any advice around this minefield is welcome. ..
The only problem with saying that he is a "crossbreed" is that if/when you claim, the paperwork is done by and through the vets' practise. They are effectively your assessor. Their records and paperwork will show what breed of dog it is.
Should you insure or not? Depends how well off you are I suppose, and can handle a massive vet bill if it happens.
Our foxhound cross started off at £7 per month. Now eleven years later £45 per month, more than my car and house and contents insurance combined. But I'll still be paying it.
Should you insure or not? Depends how well off you are I suppose, and can handle a massive vet bill if it happens.
Our foxhound cross started off at £7 per month. Now eleven years later £45 per month, more than my car and house and contents insurance combined. But I'll still be paying it.
Just to give you another point of view, we insured our dog (Boxer) and claimed about £7k over 10 years. This would have been more if we hadn't taken the wrong policy that had a 4k limit per illness.
If you don't insure, I would really recommend you place the money into a savings account.
The big issue I had with self insuring was the possibility of having to make a painful decision every time you go to the vets and face a big bill.
The last year was £80 a month - so we cancelled and brought the medication ourselves as we hit the 12 month / 4k limit. The medication started at £130 a month.
It's a tough choice - but if I had to do it again I would take the insurance and have peace of mind.
If you don't insure, I would really recommend you place the money into a savings account.
The big issue I had with self insuring was the possibility of having to make a painful decision every time you go to the vets and face a big bill.
The last year was £80 a month - so we cancelled and brought the medication ourselves as we hit the 12 month / 4k limit. The medication started at £130 a month.
It's a tough choice - but if I had to do it again I would take the insurance and have peace of mind.
My 11 month old Dobermann had an X-Ray under sedation yesterday and that cost £350. I have no idea how he hurt his leg, he just started limping a little bit. He 'may' need to have an op which will cost thousands. Luckily he is insured and it's all paid for. Can't remember which insurer we use, but it costs £60 a month. In this case, money well spent!
I was a little dubious about insurance at first, but having made a significant claim, it's a no-brainer in my book!
I was a little dubious about insurance at first, but having made a significant claim, it's a no-brainer in my book!
Vets Medicover - £28/month for £10,000 of cover and it's a lifetime policy which means that if the dog suffers an illness or injury they will continue to cover the cost of that injury for life; some policies will only cover the 'one-off' cost of an illness or injury and not cover any ongoing costs. I have had to claim as well so I can confirm that they paid without any problems - even though the claim could have been considered to be uninsured (my dog was diagnosed with an irregular heartbeat but after £500 of tests it proved not to be the case, just a minor heart murmur that shouldn't cause any problems).
TwigtheWonderkid said:
DocArbathnot said:
I decided to self insure.
That's a posh way of saying you decided not to bother and hope for the best.DocArbathnot said:
TwigtheWonderkid said:
DocArbathnot said:
I decided to self insure.
That's a posh way of saying you decided not to bother and hope for the best.But as you have thousands of pounds spare, you decided not to bother with insurance, and put the money you would have spent on premiums away to cover bills in the distant future, which is an entirely sensible option.
DocArbathnot said:
I decided to self insure.
I apparently have no soul, but I figure that 10 months of not paying for insurance would pay for a new dog. I've come to this exceptionally horrid view, based on a rabbit, 2 guinea pigs and 4 cats, where I basically came to the conclusion after weeks of treatment, that it would have been best to put it down at the first sign of trouble. Now the Cavalier we have is 5 or 6 (not sure) so he's probably about half way through his life. I'm not sure I can apply my logic with this pet though. time will tell.
An interesting article in todays money section of the Daily Mail on pet insurance.
http://www.dailymail.co.uk/money/news/article-2353...
http://www.dailymail.co.uk/money/news/article-2353...
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