31-08-2011, 01:54 PM
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Pet Forums Senior Member
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Join Date: Feb 2009
Posts: 762
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Re: Insurance Policies
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Originally Posted by wyntersmum
have you gone onto compare the market? we have just done this for our puppy and got some great prices you can scan through first
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But do beware the fact that they are an insurance broker and will be comparing only a limited number of companies. They also take no account of the performance of those companies (which you can see by looking at some of the companies they represent). Getting the cheapest quote is valueless if the company doesn't pay out.
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Originally Posted by DT
erm! dunno about that one! AND !!! I amseriously beginning to wonder if vets DO chargeless whenthey know animals are insured!!
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It's more likely that the vet can offer you better treatment if you are insured. Dog with a fractured pelvis? That'll be £5,000. Don't have it? Well, it can't be done for less so your choice is let the animal suffer or have it PTS. A few years ago you wouldn't even have had the choice. But it's a fact that veterinary care has improved drastically and that there is a corresponding increase in cost.
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Heres my experience!!!
Misty (Died aged just 4.5 years)was insured!! withthe insurers FROM HELL! we piad out £11,000 for her is vets bills(yep we were lucky - we could afford it! the insurance was an utter waste of money!
Then old fellow - was with axa for 8 years - NOT a penny claimed! Prior to him being 9 I puthimwith JBI (would be interested on your views onthem!!!)
not a penny claimed form AXA - claimed from JBI £600ish - about the same as the premiums paid to them!
Milly coming up four! with green bee (john lewis) not claimed a penny!! paid around £900 in premiums!
The cat smokey - livedto be twenty! cost us total NOT over £1000 over those twenty years! ANDwe always had treatment when needed!
billyCat-NOW 17! NO insurance EVER three lots of dental work totalling around £700 total! NOW thyroid problems!! Drugs costing me around $18 a month and blood tests £48 a time! so quids in! BUT vet knowshe's not insured and sure he is treating him cheaper!
THAT SAID!
I will agree!! if you cannot afford a BIG bill then take out the insurance!! because believe you me we got through £11,000of our own money in just 18 month!
BUT!!! do still think its a con!
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So, you've been lucky with some of your animals but paid out £11,000 of your own money in 18 months!! And it would have been a con to have paid some insurance premiums of, say, several hundred pounds to save yourself £11K? There's some seriously flawed logic in your argument.
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Things you should know before insuring your pet can be found at Important Facts about Pet Insurance. I can also try and answer questions about Pet Insurance via PM. I am not an insurance broker.
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