Is pet insurance worth it?
Discussion
Yes, we've insured our two moggies since they were kittens. For the first 10 years we didn't claim anything but since then we've probably had more out of our insurers than we've paid in.
To give you an example, one of them started with urinary problems - with all of the tests and the operation he eventually had it cost just under £3,000 for the year and the insurance covered it all except for the £50 excess.
Both are on monthly injections now and both have special diets and the insurance pays for the difference between their special food and normal cat food.
To give you an example, one of them started with urinary problems - with all of the tests and the operation he eventually had it cost just under £3,000 for the year and the insurance covered it all except for the £50 excess.
Both are on monthly injections now and both have special diets and the insurance pays for the difference between their special food and normal cat food.
at TheVetYes! One of our rabbits has run up a bill of over £900 in the last two months. I nearly didn't renew the insurance this year after no claims in 3 years, but I'm sure you can imagine how pleased I am that I did.
With bigger animals like cats and dogs - animals that run around in the road, eat random things, get in fights - you'd be insane not to. Most will let you pay monthly for no extra cost, so it's not like there's even much of an up-front amount to pay.
Still, those vets eh? Worse than lawyers, loan sharks, second hand car dealers and estate agents put together.
With bigger animals like cats and dogs - animals that run around in the road, eat random things, get in fights - you'd be insane not to. Most will let you pay monthly for no extra cost, so it's not like there's even much of an up-front amount to pay.
Still, those vets eh? Worse than lawyers, loan sharks, second hand car dealers and estate agents put together.
No.
I have large three dogs, and have had them now for 7+ years. Insurance would cost £20 per month per dog, so £720 per year, or over five grand to date. We have spent maybe £500 in that time on vet bills so we have saved over £4,500 towards anything which might happen.
On avarage, it is always cheaper to go without insurance for anything (otherwise how do insurance companies make their money?)
I have large three dogs, and have had them now for 7+ years. Insurance would cost £20 per month per dog, so £720 per year, or over five grand to date. We have spent maybe £500 in that time on vet bills so we have saved over £4,500 towards anything which might happen.
On avarage, it is always cheaper to go without insurance for anything (otherwise how do insurance companies make their money?)
JumboBeef said:
No.
I have large three dogs, and have had them now for 7+ years. Insurance would cost £20 per month per dog, so £720 per year, or over five grand to date. We have spent maybe £500 in that time on vet bills so we have saved over £4,500 towards anything which might happen.
On avarage, it is always cheaper to go without insurance for anything (otherwise how do insurance companies make their money?)
My parents-in-law had this way of thinking but they also had tons of money so an emergency op for the dog wasn't a problem. It's all about what you can and can't afford to do. I have large three dogs, and have had them now for 7+ years. Insurance would cost £20 per month per dog, so £720 per year, or over five grand to date. We have spent maybe £500 in that time on vet bills so we have saved over £4,500 towards anything which might happen.
On avarage, it is always cheaper to go without insurance for anything (otherwise how do insurance companies make their money?)
JumboBeef said:
No.
I have large three dogs, and have had them now for 7+ years. Insurance would cost £20 per month per dog, so £720 per year, or over five grand to date. We have spent maybe £500 in that time on vet bills so we have saved over £4,500 towards anything which might happen.
On avarage, it is always cheaper to go without insurance for anything (otherwise how do insurance companies make their money?)
On average it is - that's how insurers make money.I have large three dogs, and have had them now for 7+ years. Insurance would cost £20 per month per dog, so £720 per year, or over five grand to date. We have spent maybe £500 in that time on vet bills so we have saved over £4,500 towards anything which might happen.
On avarage, it is always cheaper to go without insurance for anything (otherwise how do insurance companies make their money?)
Thing is you are not average - you are one policy holder.
After a scare where we thought my dog had swallowed a bouncy ball, we got some pet insurance.
Which was handy as 6 weeks later, we found a few cancerous lumps on her. These were all surgically removed and as yet, we've not needed chemo. However, on our insurance the condition is only covered for 12 months so I'm not sure what happens when it runs out.
My dog also got knocked down two weeks ago! Hit by a car doing 60mph and yet escaped with only stiffness in her joints. The pet insurance is paying for the repair to the bonnet, grille and front light of the car that hit her.
I would say getting pet insrance is the best investment we've made this year.
Which was handy as 6 weeks later, we found a few cancerous lumps on her. These were all surgically removed and as yet, we've not needed chemo. However, on our insurance the condition is only covered for 12 months so I'm not sure what happens when it runs out.
My dog also got knocked down two weeks ago! Hit by a car doing 60mph and yet escaped with only stiffness in her joints. The pet insurance is paying for the repair to the bonnet, grille and front light of the car that hit her.
I would say getting pet insrance is the best investment we've made this year.
Yes, but check your policy details looking for the exclusions also keep your insurance up as the policies can hahve different terms when you take them out on older animals etc. Others have said you can save money by not paying but will you have the cash to hand to pay for the Vet bill? If you have the money to hand to pay the bill then don't worry you can save the money atleast on average, if you don't have the spare liquid cash then it give you the ability to say yes to treatment put it on the credit card then claim the cash back.
Gassing Station | The Lounge | Top of Page | What's New | My Stuff