I'm confused with the excess . It says '£70 + 10% of the rest of the cost of the veterinary treatment'. I was wondering if someone could help my understand this correctly.

For example, if I took my dog to a vet appointment because he was poorly and he was then diangosed with an ongoing condition and he would have to be seen by the vet once a month - For my first appointment I would claim for the consultation fee plus any care/medication prescribed at that appointment and pay £70 excess and 10% of the cost of the treatment that day. But what happens for the next '12 appointments' that year for example? I would obviously get more medication at each appointment to continue the treatment, so I would claim on my insurance for that but would I be paying the £70 + 10% excess each month/time I go back to my vet for this specific condition? or is it just for the initial appointment? (if it's for the same condition).

I have been getting quotes online to insure my pup and so far tried Argos, Tesco, Sainsburys, Asda, Petplan, John Lewis, Pets At Home, Animal Friends and just now More Than. Out of all these, MORE TH>N are the cheapest for the cover I would like (not exactly what I want, I didn't really want cover for death by illness or injury but they don't give an option not to select this on the quote page) at £14.95 per month rather than £23+ with the others.

I hope I have made sense and realise it's a silly question.

you only pay the £70 once on that illness, then it's 10% of the rest of the bill through out the year for that illness, if its an ongoing illness and you have lifetime cover.. When the policy renews after 12 month you then pay the £70 again and 10% etc

juliex

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There is another offer for slightly more money i think? That covers you for life if your pet has an ongoing illness but im not sure on this.

This should be described in your contract. Is this with the Kennel Club insurance because they do the same deal and I thought they were very expensive so I went elsewhere. Paying every month £40 minimum and then the dog is hit by a car, the op costs lets say 5k, you end up paying 600 on top of nearly 500 a year. I just thought that wasn't a good deal at all.

Brilliant thank you!

Yes that's the one I was thinking of going with, it costs a little more per month but like you say it's life time cover.

I haven't taken out insurance yet, just currently getting quotes to find the best deal. At £14.95 per month I thought it was a pretty good deal, because all of the other insurers I have got a quote with wanted at least £23 per month. Although I see what you are saying about paying 10% towards a 5k op for example, it could work out expensive... Hmm, maybe I need to think about this one before I go ahead and look some more at policies that just charge an excess without a percentage on top also, even if it is a few quid extra per month.

There's just so many to choose from. I can never get what I want either, one will cover a certain thing but only has £3000 or £4000 per illness and another wont cover something I want but allows £7000 per illness. Argh, nightmare! Some don't even let you 'personalise' it and others will. I wish more would let you pick specific extras/options.

I feel your pain! I'm currently researching insurance for my puppy too and it's proving quite the headache

I too am struggling to find an insurer that will give me exactly what I want...... which is a lower excess and lifetime cover even if that means higher monthly payments, which I'm happy to pay. But the only one I found with a small excess (£30.00 I think) only did 12 month cover and all the others with lifetime cover have a large excess!

Aaaaarrrgggghhhhh!

You do need to firstly decide what it is that you actually want. You also need to look at how reliable the insurer is as some can be quite painful once you start claiming your money back. Once your pet gets ill and if you decide to change the company for whatever reason, no one will insure you for previous conditions, so do think it trhough and be careful that it is tailored to your needs.

It really is a headache isn't it . I've lost count how many quote forms I have filled out! my email is full of them .

I'm not too fussed about being covered for death by illness/injury, but a lot require purchase price and then include this in the policy, which of course shoots the price right up. Some insurers allow you to select this as an extra, shame more don't do the same. Either way I definitely want lifetime cover... I didn't even realise about this until reading on this forum and previously would have just gone ahead with the cheaper 12 month cover.

Good advice, thank you Sammy123. I have read quite a few good reviews about Petplan being the best, but their prices are higher... maybe it's a case of you get what you pay for. Definitely need to do our research before going ahead with anything.

Snap re: the cover for death through illness/accident, plus other additional 'extras' I wouldn't be interested in like boarding kennel cost covered if I was in hospital and vets bills covered abroad

I see your "inbox full of emails" and raise you "now getting them on the phone wanting to know if I'm taking the cover" Yes, you Sainsburys..... that will be a NO, you don't have what I want and you're VERY expensive

Have you tried the Co-Op? They're one of the best I've found so far..... lifetime cover <tick>, but the excess is £85.00 which is more than I want..... however the quote was almost £10.00 a month cheaper than most of the others......

I am with Sainsbury's and I pay £33.36/month and Bella is covered for up to £7,500 per injury/illness. Excess is £75. Sainsbury's aproach is different, it isn't life long and it isn't yearly it is ongoing..They will pay for each condition untill the fund for that condition runs out...

Example: She gets hit by a car, up to £7,500
At the same time she gets diabetes, ongoing treatment will be payed for with a new up to £7,500 all the way, until the money runs out. This can last for years and years.
At the same time or within the same year she is diagnosed with cancer, again payed for from a separate fund up to £7,500
And so on and on...

This is the best cover for us.

What is included: EVERYTHING