Dog insurance for older dogs
Discussion
We have two dogs and a cat. The oldest dog is not insured as petplan ruled themselves out last year with a crazy premium. So we have a 14 year old dog healthy, no insurance.
We have spend £1 k on the insured dog and £3k on the insured cat this year. I am not feeling lucky
Can anyone suggest insurance for an older dog that you have personally experienced I can read all the ones on line. A recommendation would be very good. Thank you
We have spend £1 k on the insured dog and £3k on the insured cat this year. I am not feeling lucky
Can anyone suggest insurance for an older dog that you have personally experienced I can read all the ones on line. A recommendation would be very good. Thank you
We have LV for our (almost) 13yr old Lab... Not cheap at over £200 a month but she's done a couple of £10ks in her life!
Never had a problem claiming or been turned down for anything, etc. Albeit I don't know what we would get back now (haven't claimed in years but don't want to risk it) as I think it reduces - maybe 70% or something now.
Never had a problem claiming or been turned down for anything, etc. Albeit I don't know what we would get back now (haven't claimed in years but don't want to risk it) as I think it reduces - maybe 70% or something now.
With insurance you pay for what you get.
We are with Petplan and our 10 month old Springer Spaniel was taken ill whilst away on holiday. Took him to vets in Newton Abbott where he was given treatment but that did not work.
So we came home and he was checked into a vets where he spent two days on a drip and had lots of tests and scans.
Thankfully he recovered but the bills for all this was almost £3k and Pet Plan paid up within three days of claim going in. Yes they are expensive but I would not move from them as the service when needed was as expected, no fuss at all.
We are with Petplan and our 10 month old Springer Spaniel was taken ill whilst away on holiday. Took him to vets in Newton Abbott where he was given treatment but that did not work.
So we came home and he was checked into a vets where he spent two days on a drip and had lots of tests and scans.
Thankfully he recovered but the bills for all this was almost £3k and Pet Plan paid up within three days of claim going in. Yes they are expensive but I would not move from them as the service when needed was as expected, no fuss at all.
spaximus said:
With insurance you pay for what you get.
We are with Petplan and our 10 month old Springer Spaniel was taken ill whilst away on holiday. Took him to vets in Newton Abbott where he was given treatment but that did not work.
So we came home and he was checked into a vets where he spent two days on a drip and had lots of tests and scans.
Thankfully he recovered but the bills for all this was almost £3k and Pet Plan paid up within three days of claim going in. Yes they are expensive but I would not move from them as the service when needed was as expected, no fuss at all.
We also did pet plan on our spaniel untill she was 9. At that point they don't want to cover you so they price you out . At 10 years old with not a single claim in her life ,the deal at renewal was £180 excess, max £2000 per condition and 20% co payment. The list of excluded conditions was quite unbelievable. Anything gastric , any type of cancer, dental ,eyes, ears the list went on . The monthly premium £100 plus. They did exactly the same with our cat at 10 years old and we still have a 5 year old dog with them but we know only for another 5 years .We are with Petplan and our 10 month old Springer Spaniel was taken ill whilst away on holiday. Took him to vets in Newton Abbott where he was given treatment but that did not work.
So we came home and he was checked into a vets where he spent two days on a drip and had lots of tests and scans.
Thankfully he recovered but the bills for all this was almost £3k and Pet Plan paid up within three days of claim going in. Yes they are expensive but I would not move from them as the service when needed was as expected, no fuss at all.
I don't agree you get what you pay for with pet insurance.
This is the conundrum we are all experiencing sooner or later with the health of our lovely furry friends.
The cost of veterinary treatment has gone through the roof in recent years, caused in my opinion by the onwards march of the acquisitive corporate vet chains.
The consultation fees have rocketed, as has the "cost" of medication. Procedures too have shot up in price, as has the up-selling of tests, medication etc Neither of which bothers you if you are insured, except.....
Of course, this is what is pushing up the cost of insurance.
Simple test - what is the cost of a 10/15 minute consultation at your vets?
The last corporate I was with it is now over £70.
My current vet, not part of a corporate chain, it is under £40.
I have never insured a pet, preferring to take my chance, but I have always avoided breeds known to have medical problems.
Now it is getting expensive, when we got our latest dog (already aged 2) I started putting an amount each month into a deposit account by standing order and in my wife's jurisdiction.
I pay the regular fees and the fund is there to cover the one off fees when he gets older, We will increase it to cover veterinary inflation, which is much higher than regular inflation, and hope that the £10-15000 in there by the time he is 10 years old will cover his needs.
Which just goes to show that the only financial win is not to have a dog in the first place.
But I wouldn't be without one.
The cost of veterinary treatment has gone through the roof in recent years, caused in my opinion by the onwards march of the acquisitive corporate vet chains.
The consultation fees have rocketed, as has the "cost" of medication. Procedures too have shot up in price, as has the up-selling of tests, medication etc Neither of which bothers you if you are insured, except.....
Of course, this is what is pushing up the cost of insurance.
Simple test - what is the cost of a 10/15 minute consultation at your vets?
The last corporate I was with it is now over £70.
My current vet, not part of a corporate chain, it is under £40.
I have never insured a pet, preferring to take my chance, but I have always avoided breeds known to have medical problems.
Now it is getting expensive, when we got our latest dog (already aged 2) I started putting an amount each month into a deposit account by standing order and in my wife's jurisdiction.
I pay the regular fees and the fund is there to cover the one off fees when he gets older, We will increase it to cover veterinary inflation, which is much higher than regular inflation, and hope that the £10-15000 in there by the time he is 10 years old will cover his needs.
Which just goes to show that the only financial win is not to have a dog in the first place.
But I wouldn't be without one.
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