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Dog insurance

Discussion in 'Dog Chat' started by BeauBeau, Jul 5, 2017.


  1. BeauBeau

    BeauBeau PetForums Junior

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    Hi everyone,

    I am soon getting a puppy, pure bread Englisch Cocker Spaniel. He will be ten weeks old when I brign him home. Does anyone have any advice on dog insurance? I live in Germany so I guess insurance brands are different here, but I am more curious about general experience with insurance policies. Some of my friends tell me not to bother, but in my opinion it seems so important to have one. Just in case. One never knows what might happen. I´d be interested in insurance that covers both medical emergences and trips to the vet as well insurance that covers my dog in case he does something.

    Any advice or suggestions would be most welcome.
    Thank you.
     
  2. lullabydream

    lullabydream PetForums VIP

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    Insurance is there for emergencies, and for accidents and illnesses that cost more than the excess.

    It will not cover routine appointments, such as vaccinations, routine spays.

    You are best to look for a lifetime policy...with the highest amount possible to insure..the bare minimum I would say about £7,000, which sounds a lot but can be taken quite easily for instant if your dog needs orthopedic surgery. £1000 can easily go in tests for certain conditions...

    If you do not insure as soon as possible, or your dog falls ill please be aware of terms of conditions about illness cannot be claimed for in the first 2 weeks...all policies have this no matter who you go with, and then the illness and where it is, diarrhoea may rule out digestive tract problems as pre existing conditions.

    Pet plan is always the most recommended, and there is a reason, most vets deal with them direct so no putting your hand in your pocket. No massive price hikes like other policies. Plus I like them, since they are happy to wipe certain 'pre existing' conditions off the list, if your dog has no other problems with them after a about 2 years.
     
  3. BeauBeau

    BeauBeau PetForums Junior

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    Thanks a lot!
    Is this inusrance normally paid monthly or annually?

    I checked in Germany they also have insurance in case a dog bites someone or causes demage to a person/property. I am getting an Englisch Cocker Spaniel. I suppose they aren´t a breed that is of concern. I suppose It helps that he will be already chipped and I will get the insurance whilst he is stll a healthy puppy.
     
  4. lullabydream

    lullabydream PetForums VIP

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    Ahhh...I ain't really sure most UK insurance has third party liability....just be aware the likelihood of dogs biting on a well socialised dog is low, but under many circumstances dogs can bite and will. They all have teeth..they all can do damage

    I will tag, @Goblin see if they can be any help about insurance if you are in Germany.
     
  5. Phoolf

    Phoolf PetForums VIP

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    Unfortunately they are often very high up on the list as likely to bite I'm afraid. Just because a dog is small and cute doesn't mean it's less likely to bite. Less likely to cause serious injury perhaps but not less likely to have an incident of biting.
     
  6. sidevalve

    sidevalve Banned

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    Just be aware of some relevant points - insurance companies will ALWAYS try to dodge paying out [this applies to all insurance] so absolutely any pre-existing problems [and I mean no matter how tiny or minor] will be an excuse as will anything that could be described as 'age related' - be careful.
    Third party insurance is not the same as usual 'pet insurance' - you might even find that you can sort this out with your household insurance. Yes spaniels are prone to 'nipping' as sadly are many small dogs, mostly I'm afraid due to two reasons 1 - owners who simply accept it with a cheery "Oh sorry but it doesn't matter really" and 2 - people who 'take liberties' they wouldn't dream of taking with a large dog [which commands more respect - or fear]. Both of these being down to people not the dogs.
    Also check if the premiums increase as the dog ages - and by how much
    Whichever company you finally choose remember they are in business to make money they are not a charity. Just read all the small print and you should be fine.
     
  7. lullabydream

    lullabydream PetForums VIP

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    Have never met a insurance company that dodges payment per se...have seen people not understand terms and conditions and expect insurances to pay.

    Good insurances will wipe pre existing conditions after 2-3 years depending what it is...

    Of course insurances are businesses...no one thinks otherwise.

    Some insurances are always going to be better than others...this is why research is vital.
     
  8. sidevalve

    sidevalve Banned

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    In answer to your points
    I have personally been aware of several companies trying to 'dodge' payments because of unrelated items [and I do mean unrelated to the claim]
    Pre existing conditions will be 'stored' until the animal is dead and the policy expired [whatever they tell you]
    Yes they do
    Thankyou for agreeing - That is the whole point of my post
     
  9. lullabydream

    lullabydream PetForums VIP

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    I personally have had pre existing conditions wiped from my policy...it's always dependent who you are with. Whether they will review, and what the condition is...so pre existing conditions for life is not ways the case...So it is always worth asking new insurers whether or not they will do this.

    Your experience is far different from mine..neither should be scoffed at....
     
  10. Phoolf

    Phoolf PetForums VIP

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    Do you even have insurance or have you just chosen unwisely in the past and failed to do any diligence on a company?

    I have had 0 problems claiming at any point with my insurance.
     
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  11. lullabydream

    lullabydream PetForums VIP

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    I have never had a problem claiming either...I had over a £3000 claim 15 days after I took out an insurance policy..so only paid one measly payment. No hassle, no fuss and it was a direct payment too.

    Have been with several insurance companies too over the years...filled in my part, the vets filled in theirs everything sorted.
     
  12. Phoolf

    Phoolf PetForums VIP

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    Haven't even filled out anything this year for my continuing claim I started 2 months ago. My vets took down my policy number and that's it, the only correspondence I've had with my insurance is them sending me a bill with what has been covered (over £400 so far, with another whack gone through since then) so it's broken down for me to see. When I needed £600 of emergency vet treatment for Kes 2 years ago (overnight job due to chocolate poisoning) I filled in the form at the emergency vets, didn't pay anything but the excess at the time and never heard anything since, all taken care of.
     
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  13. lullabydream

    lullabydream PetForums VIP

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    Thats practically how all my claims go through...I have filled in a very brief form..or now it's electronic with pet plan. I pay excess and it's all sorted...just get we are paying this through the post and no hassle from either party.

    Only just changed to Pet Plan and I know it's a miniscule form with name and reference number and that's it...and continues with no extra forms or anything

    Before and other companies...it would be fill in several forms after paying the excess and all sorted..had on going conditions unless they ran out of forms...as it would be sent in bits and bobs, depending on conditiions

    I know problems arise but not had a problem.
     
  14. Blackadder

    Blackadder PetForums VIP

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    I've had some bad experiences with dog insurance so much so that I decided to pay the monthly premium into a savings account & always have a 0% credit card available.

    If I take Binky as an example, Pet plan wanted £50 a month when he was 8 weeks old for lifetime cover.... he died at 8.5 years old & never had an illness that I could have claimed for (everything he needed was less than his excess)
    Over his lifetime I would have paid the Insurance co over £5000, his bill at the end was £1700. I've continued to pay into this account with my current dogs & now have a very substantial "pot" to pay any vet bills, I also know that this can be wiped out in an instant due to a serious illness.... it's a gamble, do you feel lucky?
     
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  15. lullabydream

    lullabydream PetForums VIP

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    Exactly..have had insurance and never claimed but it gave me peace of mind so in my head was worth it...

    But like I said in my previous post, and I have no savings..15 days in my dog gets savaged by another dog and it wasn't even out on a walk... over £3000 for medical treatment for something I didn't anticipate that day. So for my first payment of £20 I don't mind...

    I do cancel insurance in later life when I feel palative care will be more beneficial.

    Gone are the days of people easily getting credit cards too...or when they do the limits for covering a large claim on insurance can be tiny, if they haven't got a credit card now.

    So like you say, you can risk it, if you feel lucky and have other measures...it can work sometimes but not all

    Am sorry insurance has been a pita for you, which is probably putting it mildly.
     
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  16. sidevalve

    sidevalve Banned

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    So the insurance companies are not always sweetness and light it seems. Still as they seem to be happy to pay out at the slightest cause I leave this thread to those who are happy to trust -
     
  17. SpicyBulldog

    SpicyBulldog PetForums VIP

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    Never had insurance, as it's far too pricey for me and I feel a waste of money.
    If my dogs need something I pay for it. If they had a big medical emergency I'd just have to suck it up and pay for it. I could get a new credit card but if it was emergency I wouldn't be able to have it instantly but there is also care credit. I'm also constantly getting "balance transfer" checks that can be used for cash for a 1 or 2% fee and 0% interest. So I don't think that's so bad. Better option than paying in for some thing I might not need. People have to see what will be best for them and make a decesion from there.
     
  18. Blackadder

    Blackadder PetForums VIP

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    The way I do it is borne out of a couple of bad experiences, not all pet insurance is what it seems.

    My method works for me (so far), I'm not saying that it's viable for everyone.... it's just another option :)
     
  19. lullabydream

    lullabydream PetForums VIP

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    Absolutely...I just don't want people to naively think it's the way to go...with no savings, thinking I will just get a credit card...not all vets will give credit options especially to new customers...

    Not all insurances are bad either...

    I like pet insurance it gives me peace of mind, in the same way a phone call to a vet will if I am at all worried.
     
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  20. Goblin

    Goblin PetForums VIP

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    Germany has, as far as I know, a requirement to have liability insurance which is totally separate from dog health insurance. Dogs also need to be registered (angemeldet) and have a license (hundesteuer) which can be sorted at the local rathaus. Have to admit I let my better half, being german, sort out the red tape.

    Some of the rules of dog ownership vary from state to state and it would be wise to check the rules in your state as early as possible. Lower saxony for example has a course requirement for new owners introduced some time back. Not sure what it consists of though. Fortunately having existing dogs we were exempt.

    Pet health insurance is optional and unfortunately we don't use it so cannot give any advice. Something I would recommend though unless you can afford to spend a couple of thousand suddenly or be saddled with paying for long term care. You may like to ask your local vet for recommendations.
     
    lullabydream likes this.
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