pet insurance recommendation?

[DJ123]

Can you not add him onto your bike or car policy? I'm sure some insurance has combined them!

i've got no expierence in pet insurance, googled and http://www.pet-insurance.co.uk/ came up

[SoulKiss]

Originally Posted by The Idle Biker

Think ours is through Tesco's. They've been OK in terms of paying out communications etc. Animal medicine is horrendously expensive, I can't believe how much it costs.

Well, logically thinking, they must test it on humans...

[timwilky]

After a nasty episode with more than where they claimed a condition was pre existing (they covered him and because we took out a new policy with them rather than renewed the existing, they reneged) I would say do not touch more than with the proverbial barge pole.

My vet has their own scheme. Works out cheaper than any commercial offer. Worth checking if your vet does similar.

my family use pet plan for everything from horse to dog and 360 thats more than i paid for my horse to be insured each year, i also have used E and L insurancse they were good hth gemma

* couldnt be bothered signing dave out lol*

[SoulKiss]

Originally Posted by davepreston

my family use pet plan for everything from horse to dog and 360 thats more than i paid for my horse to be insured each year, i also have used E and L insurancse they were good

That post is much more funny without those bits

I use petplan for our 3 cats. They are a tad pricey, but one thing they do is pay for lifetime treatment. The cheaper companies have small print that will only pay for meds for 1 year, after that you are on your own.

Friend of ours was with Tesco,,they have lots of small print, and managed to get out of a few vets payments, so she left them and went pet plan.

Petplan do a sort of multi pet policy too. Our payments dropped a little once we insured our last cat

Just make sure you read the policies through to make sure you know exactly what you're getting, There are lots of clauses in some policies which make them almost useless in certain situations oh and beware of pre existing condition definitions.

I say this having worked within the industry for RSA not so long ago who underwrite M&S / MoreThan & Tesco Pet and have first hand experience of what goes on when people don't check what they're actually buying

[Sir Trev]

Originally Posted by SoulKiss

Probably best to take the £360 (quid a day) and put it in a savings account - and then every year add another £360 (or whatever you arre quoted for Pet Insurance) and build up a fund against anything happening.

If ithe fund ever came up short, don't forget there is the RSPCA and similar organisations/charities that can help.

For most people pet insurance is peace of mind but money down the drain. If you have a rainy day fund you can dip into then don't bother - put thirty to fifty quid a month into savings over the life of your pet and self insure. Yes you *may* have a sudden huge bill but it's not that likely.

My last dog had terrible bowel problems as a puppy a few months after we got her so insurance was not an option due to immediate sky high premiums and "existing conditions" loopholes. Despite being a frequent visitor to the vet for seeds stuck in paw, numerous tumour removals, teeth extractions and many many others we were still ahead when she quietly died on the kitchen floor at a ripe old age.

Pet insurance is not compulsory so consider it carefully.