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Insurance!

Discussion in 'Dog Chat' started by JayLib, Apr 12, 2011.


  1. JayLib

    JayLib PetForums Member

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    Just a quick one wondering who people use for their pooch insurance.

    We bring Bodie home in a few weeks and he comes with 4 weeks with PetPlan however we're just wondering if they really are the best ot there or if they are just the market leader?

    We deffo want lifetime insurance but the question is who with as there are SO many options out there.....

    TTFN
    Libby
     
  2. mummyto3andfurbabies

    mummyto3andfurbabies PetForums Member

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    i've decided on argos, platinum cover, its £19.50 a month for lucy ( springer spaniel ) lifetime cover and £7000 per year
     
  3. JayLib

    JayLib PetForums Member

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    Ah that sounds quite good - will have to look at them... It's not so much the cost it's just making sure there are no hidden pit falls.
     
  4. I use Argos for my three dogs & two cats and are on the highest cover. So far I haven't had to make a claim but I have read good reviews on the way they deal with claims and pay out well. I'd say pet-plan is probably the best insurance from doing my research not so long ago but at them prices I simply couldn't afford to insure my pets with them as would of cost almost £200 a month wheres I'm paying almost half that with Argos. The cover ain't as good but is better than a lot of the others around.
     
  5. astraldream

    astraldream PetForums Member

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    Petplan for me. Have claimed rather a lot with my pack and never any quibbles over things. They are not cheap i pay 220 a month for my pack but well worth it
     
  6. JayLib

    JayLib PetForums Member

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    Hmm thanks for the heads up on the cover level - will have to do the comparisons and see what comes up!

    I've read that German Shepherds can be prone to epilepsy and so really need one that would cover that now and in the future - plus for any strife he may get himself into haha
     
  7. candysmum

    candysmum PetForums VIP

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    I decided to go with John lewis it was 20p dearer than argos and the excess if £10 more but it covers me up to £10000 in vet fees for lifetime cover.

    But saying all that i'm still umming and arrrring if i should go to argos and save the £10 on the excess if i do ever need to claim but Oh its all swings and roundabouts isn't it.
     
  8. AlbertRoss

    AlbertRoss PetForums VIP

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    Have a look at the site in my sig - it may help.

    Be aware that the 4 week freebie from Pet Plan isn't lifetime cover. If you claim during that period the illness/injury will be excluded from any future insurance - INCLUDING Pet Plan!!

    I would strongly advise you to take out a lifetime policy as soon as you get your puppy and not wait. In particular, be aware that you need a 14 day period from the start of the policy until you can claim for illness (and on some polices for accidents).

    Ignore other people's costs - they will bear no relation to yours unless they live in the same postcode and have the same breed of the same age and sex.

    Minefield, isn't it?
     
  9. JayLib

    JayLib PetForums Member

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    Wow I never knew that - thanks a billion for the heads up!

    Gosh it's all so blooming complex....
     
  10. GoldenShadow

    GoldenShadow PetForums VIP

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    Argos gets very expensive as dogs age. I'm sure lots of policies do, but be prepared when the time comes! Think I will knock it on the head if he makes it to 10...
     
  11. JayLib

    JayLib PetForums Member

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    Good to know - my mum has her 10 year old Lab with PetPlan and it costs her about £35.00 per month. Each year she has had a claim as Cleo manages to get Harvest Mites every summer which is a real nuisance....
     
  12. GoldenShadow

    GoldenShadow PetForums VIP

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    I did a quote for my dog as if he was 8 or 9, £65 :eek: Its £23 now and he's only 3 in August :rolleyes:

    I just claimed with them they did pay out but took forever. To be fair they said they were very busy between Feb and March and they have told me a cheque is on its way.

    Where I lived before I paid £11 for Argos Platinum. Since we moved it went to £21 and then £23 at renewal :cryin:

    I am going to get some tests done on purpose to make the most of having it there is something wrong with Rupert anyway may as well use the insurance whilst they are agreeing to pay out..!

    Its a bugger searching for them :(
     
  13. JayLib

    JayLib PetForums Member

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    I know they are a nightmare!

    With my cats I have never taken out insurance - instead I put the money away each month as if I was paying insurance so god forbid anything should happen to them I would have the cash to pay the vets bills.

    I think though that it's a risk I wouldn't want to take with our GSD who is coming home soon as dogs vets bills seem to be SO much bigger in comparison.....
     
  14. GoldenShadow

    GoldenShadow PetForums VIP

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    Thing with dogs as well is if they get hit by a car or something the owner of the car can sue you for damages hence third party liability. As cats aren't classed as domesticated in that way you can't be sued if your cat runs in front of a car like you can for a dog. That's largely why I have insurance too..! :)
     
  15. candysmum

    candysmum PetForums VIP

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    What also makes it vary is the PRICE you paid for your dog as well!

    I went with Argos in the end.

    However i just did a qoute for when she is 10 and its £52 :eek: its £19.73 now and shes 4 in 6 years it more than doubles!
     
    #15 candysmum, Apr 12, 2011
    Last edited: Apr 12, 2011
  16. bagpuss4

    bagpuss4 PetForums Member

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    I pay £19.45 for Baxter a month with John lewis axa and that's lifetime £10,000 i went for this as it was all 60p dearer for 10,000 than the 7,000 - £75 excess argos was £23.00, pet plan £35. No claims as yet hope it stays that way
     
  17. AlbertRoss

    AlbertRoss PetForums VIP

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    I had a GSD who developed hip dysplasia. She was lifetime covered with Pet Plan and they paid out every year for her drugs - more than the premiums. I've currently got 3 GSDs and they are all lifetime covered. Having been in a position with a very ill puppy where I was quoted £10,000 for a heart operation (having already run up £2,000 in vet and specialist fees) there's no way I'd ever consider putting money away each month. I'll pay the premiums and sleep easy at night.
     
  18. Bwy39

    Bwy39 PetForums Junior

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    As a newbie to this forum I am getting more interested every time I read it.
    This subject is so important to me having just taken delivery of our 8 week old Toy Yorkshire Terrier and another being delivered in May.

    I have never insured any of my dogs as the job I had was well paid but now I am a re-cycled teenager I think it would be a good idea to take insurance cover.

    I thank you all for your posts on this subject and will now do my research but I think you are all telling me the watch for the cover in the amount and the time this is something I had not considered.
    :confused:
     
  19. GoldenShadow

    GoldenShadow PetForums VIP

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    As mentioned even if you have a fantastic job can you afford to pay out £1,000,000 if someone sues you because your dog causes them harm in some way (such as them tripping over it or getting hit by their car). Insurance usually covers third party liability up to £1,000,000 at least and that's a very large reason as to why I have insurance.
     
  20. Bwy39

    Bwy39 PetForums Junior

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    A good and valid point I agree I thank my lucky star I have never faced that problem.

    Now I will insure both dogs but my question is :

    Is £7000 per condition adequate cover ?? This being the amount offered by most (not all) insurance companies.
     
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