Labrador Insurance - Admiral ?

[Wish]

Lookimg in to the mind field of pet insurance for our Labrador who’s 18 months old

Found Admiral to be acceptable for £15.45 for £4K cover per year. £199 excess, lifetime cover.

Anyone confirm Admiral are a fair insurer for pets ?

[ALPandy90]

Following as we're also looking for insurance for our thee year old Lab.

We were with ManyPets (formerly Bought By Many), but they more than doubled our monthly fee and laughed at me down the phone when I asked if there was any way to bring it down. No negotiation or offers. Just a snort and a laugh.

I had looked at Admiral as our car and home insurance is with them. Wonder if they do any multi product discount? They seemed a fair bet. My only other thing to add is make sure you get a policy with lifetime cover. Especially with a lab, as they can develop some expensive joint problems!

[Tigerj]

We were with many pets, it also doubled for us. We moved to Napo it’s 40ish quid a month for a Lab and a Spaniel for 12k cover (lifetime). Got cash back through work benefit thing too.

Personally I’d want more than 4k cover.

[Howard-]

I'm with LV for our 8 year old chocolate lab. It's about £44 a month for £10k of lifetime cover. There is a 20% excess but I can live with that, as all the quotes without this were massively more expensive.

[joshcowin]

We are with Sainsburys, they were great, all done online and direct payment to the vets, takes the hassle out of it! 20% excess

However the costs involved with vets have surprised me. Our old boy had a lump taken off his back, nearly £2k, this was an extremely straightforward procedure, the vets are great and are reasonably priced, cheaper than my 2 previous vets! I will be insuring him for at least £10k moving forward as I am sure it is very easy to rack up £5-£6k if anything serious needs to happen.

[alscar]

The problem generally with Pet insurance is that once you have chosen your preferred one you are probably stuck with them all the way through until you decide not to insure.
What is virtually guaranteed is that the cost will increase every year and shopping around will be next to impossible.
Your own animal’s health record won’t necessarily be used as the single underwriting consideration either.
We have used More Than before ( they were generally good until they weren’t ie the renewal premium suddenly rocketed one year and they weren’t prepared to discount it at all ) , currently using Direct Line for another Lab but ( touch wood ) no claims.

[Bungleaio]

Been with petplan for years, never had an issue for them paying out for our labs that had quite a lot of chemo and then the next had bad arthritis so had treatment for that.

[rallye101]

Pet plan....
Not sure about these with annual limits as its so expensive these days, my cat cost £16k in a year on cancer treatment, petplan paid the lot

[QBee]

We have just got a two year old lab/collie cross.

£75 a month is going into a deposit account, to be used only for anything non-routine or over £500 (we haven't decided which yet).
Based on the last 20 years experience of medium sized dog ownership, we will be unlucky not to end up with around £5,000 left in the account when he eventually dies. Our non-routine bills in that time haven't exceeded £5,000 despite having two dogs for 15 out of the 20 years.

Some breeds are simply more robust than others.