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newbie needs quick insurance reccomends

Discussion in 'Dog Chat' started by dickybirdclocks, Mar 24, 2011.


  1. dickybirdclocks

    dickybirdclocks PetForums Junior

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    Hi all New today on forum just brought new puppy home yesterday 8 week old Rhodesian Ridgeback (Ben).Took him to vets today for his first vaccine .I am now eager to get him insured i favour John Lewis best policy at £21.30 over Petplans similar for £36 but just wondered if i was missing something - john lewis does look the better policy. Any advice please.
     
  2. Shrap

    Shrap PetForums VIP

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    I haven't looked at the John Lewis Policy but I know with petplan it's a "covered for life" option, which means if your dog gets an ongoing illness that lasts for more than a year, they'll cover that illness year after year so long as you keep renewing. So if you pick the £7,000 option, you get £7,000 for each illness, and that £7,000 renews itself every year. You're unlikely to go over £7,000 in a year, but it's very likely if he developed an ongoing problem it would go over £7,000 quickly.
    Some are £7,000 a year, but that £7,000 has to be spread over all illnesses I think. And equally some are £7,000 oer illness, but it doesn't get renewed every year. So once you've spent your £7,000 on one illness they won't cover it anymore.

    There are other covered for life options from different companies so do shop around.

    If the John Lewis option is covered for life then go for it if that's what you'd rather... But there is also to think about this:

    Most vets will willingly do anything that needs to be done and then ask petplan for the payment, they have a very good relationship. Whereas if you're not with petplan, the vet may wwant pament up front, and then you'd have to claim it back from the insurance. If you can afford a few grand at once this shouldn't be an issue.
     
  3. sid&kira

    sid&kira PetForums VIP

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    We're with direct line, £37 for 3 dogs on advanced (lifetime) cover. think its about £15 for each dog if they were done individually :)
     
  4. Sled dog hotel

    Sled dog hotel PetForums VIP

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    The type of cover is the most important, Life long or Life time is best. You can insure for various amounts for vet bills per year most companys do several amounts. Then each year as long as you stay with the same company the whole amount is re-instated each year, even if you have claimed the previous year. So if your dog gets a chronic ongoing illness, Has an accident with complications, or a re-occurring illness you are always covered.

    Some give various amounts to spend per year, but they only cover that illness injury, or accident for 12mths, so after that time they will not pay out anymore.

    There are some that give you an amount per injury or illness instead of a total amount, with no time limits, but once you have used the total monies up then they too wont pay out anymore. You can get some companies that do so much per illness or injury that are lifetime, so that the whole amount is reinstated per year for that type of illness or injury but again you will need to check it is life long or life time.

    Its important to get a good one at the start. If you change companies later,
    anything that your dog has had before, is classed as a pre-existing condition by most companies, which means if you change the new company will not pay out. Also with most companies you cant claim for the first 14days although some will do accident cover for the 1st 14days.

    Diagnostic tests, like scans etc. are expensive and often need vet refferals to specialists, it doesnt take long to clock up 2K plus in these situations and a lot more besides if needs specialist treatment or Ops too so make sure you go for a good level of monetary cover, especially as he is a large dog.

    Some vets will take direct payment, meaning you only need to pay the excess
    (every policy has an excess usually between 50 to 100£ they vary) So it may be an idea to ask your vet, if they accept direct payment and if so what companies from. Usually a good indication that they are good payers if a claim arises.

    Hope this might help
     
  5. dickybirdclocks

    dickybirdclocks PetForums Junior

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    Went for John Lewis ,They assured me that cover was comprehensive and that cover carried on year on year i went for the top £10.000 policy at £21 29 per month . Petplan was a consideration but the expense seemed over the top at £36 for £12.000 cover . Just pleased that its done now although cover does not start for 14 days and i understand that is the case with most pet insurances as a means of preventing fraud ie a dog getting an illness and then getting insurance for that illness .
     
  6. I have been with John lewis (was called green bee ) for three years with my youngest dog, Fortunately not had to claim! BUT a friends of mine has had mupltiple claims (well over £8000) with no problems - that aid her premium has risen a lot this year - but there again so has the age of the dog!
    And yep! thepolicy does look impressive! that was what attracted me to it having had a previous bad experience !
     
  7. Ridgielover

    Ridgielover PetForums Senior

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    Dickybirdclocks - I'm very surprised that your breeder didn't supply you with a month's free insurance, most good breeders will sort this out and supply cover from either the Kennel Club or Pet Plan. I have always used Pet Plan myself.

    Any pics of your new addition?
     
  8. Malmum

    Malmum PetForums VIP

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    Argos, Argos, Argos! :)

    Paid me out £6,951 last year no questions asked and promtly too, direct to the vets. The increase this year was £2 pcm (now £17.50) - not bad I thought. It does go by breed, postcode and age of dog though so all quotes will vary.
    Make sure you get "lifetime" cover and not "per condition" it may cost a little more but well worth it.

    Good luck! :)
     
  9. Dazadal

    Dazadal PetForums Member

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    I have my 5 on a combination of John Lewis and Petplan. I know pet plan are expensive but I have had thousands of pounds worth of allergy testing with my Mini smooth that is ongoing no questions asked and they have been very helpful too. Good luck with your search. :)
     
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