Hi Guys, I was just wondering if any of you have dog insurance? If so which companies do you use and do you think that they are good value? Has any one got a low premiums but a good policy......if so please share!!!

im with more than.....two bulldogs £40 for both

im with more than for one and direct line for the other.
morethan are very good and payout very fast.

I'm with argos, I have a platinum package with an online discount of 20%, it costs less than the gold package as that is a set price, it costs me less than £15 for my border collies and has a good policy (well I think so) I think the price is higher for certain breeds, it was slightly higher for my mothers German shepherd, not too much though)

I'm with healthy pets , haven't had to claim on anything yet ( touch wood now I've said it ) so don't know what they are like but The policy is the top one and covers for ongoing illness ect.
I had a friend that was with Tesco's and they were really bad to claim from.

I also hear that about Tesco, my mother is with them but her policy is up for renewal and she is changing

Marks and Spencers for mine, though I only have 1 breed it is a different price for each of them. When I came to re-new one of the policies went up by £9.
They do pay for ongoing illnesses though. Some of the cheaper ones will only pay for the first 12 months and is then excluded the following year

my pet insurance provider continues for the entire length of the illness at the platinum level but their gold and silver options do not,its just for the first year

Yes it is a minefield out there. A lot of people have been caught out that way not reading the small print and finding out too late Changing companies does not help as they then will not cover the previous illness.

The dog I have in partnership has been Insured with Healthy Pets, as the Pinnacle Insurance kept going up and we had never made a claim

I do not have any of my own dogs insured as no way could I afford the premiums for 4 or 5.

I had an unlucky year from Christmas 2006 to 2007 with Vets fees. Jozi had Mastitis Boxing day, so about £250, then Lexi had an ear infection that took months to clear up, and included ear syringing, total of £535.

Then Jozi (8 years old) had an Epulis on her Gum and a lump on her neck, both needed removing costing about £400.

Now my oldest at 10 would be £35 a month to Insure, so a bad Vet year is only what a years premiums would be.

I have a line of credit set up for emergencies and find it cheaper to put a sum of money away for Vet expenses and pay any unusual bills off using credit. The interest and fees will work out cheaper than Insurance.

I do have a breed that generally has rude health, and as I have bred them all myself I have made all human effort to ensure they are likely to be healthy.