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Insurance for a puppy

Discussion in 'Dog Health and Nutrition' started by JasonBee, Mar 8, 2021.


  1. JasonBee

    JasonBee PetForums Newbie

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    Hi all,

    New to the forum and first time dog owner with a 3 and half month French bulldog puppy (Lola).

    I just wanted to get some advice on what insurance people would recommend. I’ve done some preliminary checks for comprehensive lifetime insurance and had no idea it would cost so much (50 quid a month or there abouts). I may have been slightly nieve but really want to make sure everything is in order for her.

    I know this may not be a simple question but interested in what anybody in similar position as me would do etc
     
  2. lullabydream

    lullabydream PetForums VIP

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    That's about as much I would expect for insurance for a Frenchie a month or more and would want about £7,000 limit nothing less and definitely lifetime not max benefits type of limited.

    Unfortunately Frenchie have many health issues related to the breed. Plus large price brackets to buy in the first place. As yoy managed to save up to buy a Frenchie in the first place, it's just an ongoing 'saving up' scenario.
     
    Sarah H and BlueJay like this.
  3. JasonBee

    JasonBee PetForums Newbie

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    Hi,

    Thanks so much for the response, I did figure this would be the case, but just wanted to check as I've no experience with pet insurance.

    Do you think the attached is a decent price? It has a seven grand limit per year but doesn't cover theft/death by accident or illness. As long as she's covered for care, I'm willing to compromise on certain things.
     

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  4. Mum2Ozzy

    Mum2Ozzy PetForums Member

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    We are with Petplan, small crossbreed, lifetime cover including dental and some complimentary therapies £33 per month. It wasn't the cheapest quote but Petplan has an opinion of paying up with minimal fuss and they deal directly with the vets which was important for us (it means I don't have to pay upfront and claim back from insurance). We just continued with 4 weeks free we've had from the breeder so there was no gap in cover x
     
  5. lullabydream

    lullabydream PetForums VIP

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    @JasonBee hmmm I wouldn't want to pay an excess and percentage of the bill at a young age with a Frenchie to be honest. Its usually expected to do so with senior dogs, but my worry is in one month with that if say your dog has to have surgery for BOAS which I honestly couldn't hazard a guess at but you would possibly need a specialist which are not cheap to be referred to. Obviously I would Google and find prices of nostril surgery and soft palette which will maybe give you an idea. So anyways.. One month you could pay the insurance, plus excess plus the percentage cost.

    Just so am not scaring you, nostrils are usually a first surgery to aid breathing.

    Frenchie can also have spinal issues. Orthapaedic surgeries are not cheap.

    Another good one. Skin conditions, especially with the pretty colours such as the dilutes so blues, lilacs etc. These can cost a lot to manage. I say manage because this is what most people have to do.

    Just one more thing before I go. I hope your vet hasn't picked up anything medical on your puppy such as nostrils, skin and said anything such as will need surgery later and noted this on records. As now it will be too late for insurance this will class as preexisting and will not be covered. You will be amazed at how many people come here looking for insurance after a diagnosis.
     
  6. JasonBee

    JasonBee PetForums Newbie

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    Really appreciate the feedback, some of this I wasn't aware of. Thankfully there's no pre-existing conditions that were picked up by the vet, so this will just be cover for anything in the future.

    How does the attached seem? Little more expensive (doesn't cover death or theft but claiming this would be the last thing I'd be worried about).
     

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  7. JasonBee

    JasonBee PetForums Newbie

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    I did look at Petplan but they seem very expensive compared to others, although I'm aware of their good rep!
     
  8. lullabydream

    lullabydream PetForums VIP

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    Seems very good
     
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