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Old 16-04-2009, 09:18 AM
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Insurance

Still need to renew mine. PetPlan want £480 for the year, which is ludicrous I think.

Any suggestions?

Thanks
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Old 16-04-2009, 09:37 AM
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Re: Insurance

I personally use Direct Line and pay £50ish a month for both my dogs together. It started out at just £25 a month, but due to some claims, the price rises by about £6-£10 a year.

Dont just look at the cost, but the policy details, and what they will and wont cover you for. I chose DL as they have a £6000 max for each condition, but there is no time limit on this. Some companies will only cover a certain amount a year. My boys are too old to change now, but i dont think id want to. Ive never had a problem with any claim, even though technically speaking, my dogs leg amuptation was linked to an injury from before we rescued him. They still paid for the full operation and all subsequent treatment.

Are you able to get public liability insurance for your Shar Pei? I was told that a lot of companies wont cover them, but im not sure how accurate this information is.
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Old 16-04-2009, 10:08 AM
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Re: Insurance

Thanks, I'll look into DL.

I'm pretty sure the Pet Plan policy covered PIL. Why do you ask, if you don't mind me asking?
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Old 16-04-2009, 10:12 AM
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Re: Insurance

Quote:
Originally Posted by Felix View Post
Thanks, I'll look into DL.

I'm pretty sure the Pet Plan policy covered PIL. Why do you ask, if you don't mind me asking?
Someone told me that due to their temperaments, a lot of insurance companies wont cover them for PLI. Apart from seeing loads for skin disorders, ive no experience of the breed.
BTW, it was a Shar Pei owner that told me, but she was a bit on the nutty side.
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Old 16-04-2009, 10:17 AM
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Re: Insurance

I have billy with animalfriends, as they have a new underwriter and the reviews were so much better than the other insurers. I did also consider sainsburys - good price, and petprotect (better coverage for alternative therapies) - but pet are underwritten by E & L which have terrible reviews.

hope it helps xx
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Old 16-04-2009, 10:59 AM
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Re: Insurance

Quote:
Originally Posted by Nonnie View Post
Someone told me that due to their temperaments, a lot of insurance companies wont cover them for PLI. Apart from seeing loads for skin disorders, ive no experience of the breed.
BTW, it was a Shar Pei owner that told me, but she was a bit on the nutty side.
Ha, fair enough. Do you think PLI is a necessary thing? And why? In case she eats somebody alive or something? I wouldn't worry about it, to be honest, not with my girl. Only would because of accidents, like if she ran off, but not due to an aggressive temperament thankfully.

Right.. so far these guys don't cover Peis:

Animal Friends
Churchill
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Old 16-04-2009, 11:04 AM
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Re: Insurance

Quote:
Originally Posted by Felix View Post
Ha, fair enough. Do you think PLI is a necessary thing? And why? In case she eats somebody alive or something? I wouldn't worry about it, to be honest, not with my girl. Only would because of accidents, like if she ran off, but not due to an aggressive temperament thankfully.

Right.. so far these guys don't cover Peis:

Animal Friends
Churchill
I think PLI is important if a dog causes an accident. Which could occur, even with well trained dogs, as we all know these things happens.

I wasnt for a second suggesting your dog, or even the breed has a temperament problem. Im still inclined to think that the way a dog is raised hugely influences its nature. Sadly insurance companies tend not to be run by pet savvy people, and so will often make a breed suffer because of an often undeserved public reputation.
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Old 16-04-2009, 11:09 AM
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Re: Insurance

I'm with Axa insurance, get the full works, lifetime cover up to £7000 a year per illness and all the rest of the bells and whistles that come with insurance, plus a lower excess than most offer now at £50.

For 2 pedigree Dalmatians I pay £15 for my girl & £13 for my boy a month

Avoid any pet insurance that is underwritten by E&L they are nutoriously bad payers!
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Old 16-04-2009, 11:16 AM
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Re: Insurance

Quote:
Originally Posted by Nonnie View Post
I think PLI is important if a dog causes an accident. Which could occur, even with well trained dogs, as we all know these things happens.

I wasnt for a second suggesting your dog, or even the breed has a temperament problem. Im still inclined to think that the way a dog is raised hugely influences its nature. Sadly insurance companies tend not to be run by pet savvy people, and so will often make a breed suffer because of an often undeserved public reputation.
I agree, mostly. But I do think that certain dogs (completely in my own experience) have horrible dispositions, but we won't go into that now!
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Old 16-04-2009, 11:18 AM
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Re: Insurance

Quote:
Originally Posted by gillieworm View Post
I'm with Axa insurance, get the full works, lifetime cover up to £7000 a year per illness and all the rest of the bells and whistles that come with insurance, plus a lower excess than most offer now at £50.

For 2 pedigree Dalmatians I pay £15 for my girl & £13 for my boy a month

Avoid any pet insurance that is underwritten by E&L they are nutoriously bad payers!
Just tried to get a quote with Axa. Surely it'd make more sense not including Peis on the drop down list of breeds, as opposed to having them there, letting you choose it, entering all your details and your dog's details too, and after clicking "get quote" you get a "breed not acceptable" message.

Thanks for the advice though.
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