Do you have pet insurance for you cat/dog?
Poll: Do you have pet insurance for you cat/dog?
Total Members Polled: 127
Discussion
Initially I only had it for a horse - got a 6k bill once. No for the cat - when he was run over luckily it only cost about £250.
Dog - got from day 1 - we got the lifetime vets fees cover which is much more expensive. Having looked at what the various policies covered we ended up with the most expensive version but having had a dog with a lifelong condition in the past etc decided to stomach the extra £15 a month.
Dog - got from day 1 - we got the lifetime vets fees cover which is much more expensive. Having looked at what the various policies covered we ended up with the most expensive version but having had a dog with a lifelong condition in the past etc decided to stomach the extra £15 a month.
Simpo Two said:
'Never' and 'waste of money' are effectively the same thing.
I've had pets for 5 years, so its so far cost me £600 and I've got them to pay out over £3k, so I'm quids in. Its also £10 a month rather than £1k lump sum. I know I'd rather forgo a few pints a month to not have the worry of needing to have £1k available.illmonkey said:
Always had it. £10/month has saved me 3 lump sums of £1k+.
Never had it. Not paying £10/month has saved me £2,880!I have been very lucky and have had no insurance.
Apart from a hysterectomy and cancer on my old dog from which she died at 13 and a half naturally 3 weeks after diagnosis, teeth cleaned and a couple of other times on my present one who will be 13 in April I have been very satisfied with what my vet has charged.
Apart from a hysterectomy and cancer on my old dog from which she died at 13 and a half naturally 3 weeks after diagnosis, teeth cleaned and a couple of other times on my present one who will be 13 in April I have been very satisfied with what my vet has charged.
Did originally but don't have it now, if my two get ill then it will cost me but when i cancelled it i genuinely couldn't afford the money and they are pretty healthy beasties so it has never really come up since.
The younger one has been cleaned up by myself a few times after scrapping but nothing that warranted a trip to the vets.
The younger one has been cleaned up by myself a few times after scrapping but nothing that warranted a trip to the vets.
illmonkey said:
I've had pets for 5 years, so its so far cost me £600 and I've got them to pay out over £3k, so I'm quids in. Its also £10 a month rather than £1k lump sum. I know I'd rather forgo a few pints a month to not have the worry of needing to have £1k available.
In that case you're the winner. I have £1K available so I can afford the odds-on bet if it goes wrong. And in fact, so should you, in case your roof falls in etc.I know dogs and horses are more expensive to fix than cats but presume the premiums are proportionally higher, so the odds are probably the same.
Have had it for the dog from day 1. Never had any trouble with them paying up.
Do wonder sometimes if it is worth it in the long run but it makes me feel better to have it there just in case.
I know a lady who has 3 large dogs who has a separate bank account that she puts what would be insurance premiums into to use for any vets bills. She has about £6k saved up in there at the mo so is quids in but as we all know if 1 or 2 of those dogs has a serious problem then that could all go very quickly.
Do wonder sometimes if it is worth it in the long run but it makes me feel better to have it there just in case.
I know a lady who has 3 large dogs who has a separate bank account that she puts what would be insurance premiums into to use for any vets bills. She has about £6k saved up in there at the mo so is quids in but as we all know if 1 or 2 of those dogs has a serious problem then that could all go very quickly.
It's a myth to think that it you don't claim on your insurance, you've "lost". You haven't lost, you're paying for peace of mind and that's what you've had.
I've paid for house building insurance for years and never claimed. But if I didn't have it, I'd never go out, and I'd keep a bucket of water in every room in case of fire. That wouldn't be much of a life!
I've paid for house building insurance for years and never claimed. But if I didn't have it, I'd never go out, and I'd keep a bucket of water in every room in case of fire. That wouldn't be much of a life!
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