 |
By (user no longer on site) OP
over a year ago
|
I have just got a shih tzu from rescue place, now the free insurance is running out.
So I am looking for a replacement policy, I have looked at some but have no idea which is best.
There are lifetime, financial limit, term of the policy ones. I have no idea which is best, any advice will be gratefully received. |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
Lifetime. Some vary as to how much they pay out each year, but after having a boxer whose blood tests cost £200 every couple of months and medication about 150 p/m (she had Cushing's syndrome) it was well worth the money it cost knowing that I was covered and the cover wasn't going to end after a year. |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
"Pet Plan are good. Pay for the lifetime of an illness, unlike most policies that only pay for 3 to 6 months.
A little more expensive, but can't fault their customer service. "
Pet plan are recommended by our vet 
£90 excess, our dachshund has just turned 1 and had him in the vets recently after he got into a bag of choccies.
The nose knows!!
Think we pay £38 a month for him
|
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
"Pet Plan are good. Pay for the lifetime of an illness, unlike most policies that only pay for 3 to 6 months.
A little more expensive, but can't fault their customer service.
Pet plan are recommended by our vet
£90 excess, our dachshund has just turned 1 and had him in the vets recently after he got into a bag of choccies.
The nose knows!!
Think we pay £38 a month for him
"
£38 a month 
I pay less than that for a Labrador and a greyhound that seems high |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
"Pet Plan are good. Pay for the lifetime of an illness, unlike most policies that only pay for 3 to 6 months.
A little more expensive, but can't fault their customer service.
Pet plan are recommended by our vet
£90 excess, our dachshund has just turned 1 and had him in the vets recently after he got into a bag of choccies.
The nose knows!!
Think we pay £38 a month for him
£38 a month
I pay less than that for a Labrador and a greyhound that seems high "
I'm guessing it's because back/back leg problems effect 1 in 4 
Got to be really careful with their backs - how you pick them up etc. |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *rsIdiotWoman
over a year ago
Bedworth |
Make sure you don't under insure.
When my dog got hit by a car I had to claim. Fortunately the vet did direct claim so all I had to pay was the excess, until the final bill came in......
I had him insured on a lifetime policy for £2000 per condition, per year. It sounded quite adequate until orthopedic surgery was required, his final bill was close to double that.
I no longer have my dog but do have my four cats insured with same company, animal friends. As the cost of treatment for cats is usually far less than dogs I have them insured for the exact same terms that I had for Oscar, it costs less than a fiver a month for each of them. |
Reply privately, Reply in forum +quote
or View forums list | |
we have lifetime with the co-op for both of our dogs, one has idiopathic epilepsy which thus far has not been cheap and will continue to cost for meds..
excess is £85 and last year his policy was about £24 per month..
no complaints |
Reply privately, Reply in forum +quote
or View forums list | |
"I have just got a shih tzu from rescue place, now the free insurance is running out.
So I am looking for a replacement policy, I have looked at some but have no idea which is best.
There are lifetime, financial limit, term of the policy ones. I have no idea which is best, any advice will be gratefully received."
************
Cover for life .. not yearly policy .. if animal develops anything long term you will only be covered for one year..
Be aware the cheaper policy's are not so good. Keep away from E&L and any subsidiary of that.(pet protect I believe.) they are a pain and quibble everything. we do not do any direct claims with them as they take too long to payout..
Direct claim are another group that takes long time to pay out. Pet plan are the best.. for paying out and cover, read all small print check with your vet they will advise.
Insurance can be a minefield. work out what you can afford . As animals get older you end up paying a 20% of the bill plus excess so sometimes it can work out cheaper to put money away to cover bills.
Just read up ask friends about their experience and check with vet who will warn you of the pit falls. good luck
|
Reply privately, Reply in forum +quote
or View forums list | |
"Make sure they pay the vet direct, some expect you to pay then they reimburse,
not what you need when you need"
We wont do Direct claim on certain policies. Cos they take 4 odd months to pay and quibble every penny .
As a rule we wont do direct claim on anything under 500 unless it is a pet plan policy .
These Days a cruciate op will cost 2500 for one leg. So many dogs get them because of wooden floors and slipping. We would do DC for that.
The problem is getting the excess from people who think they dont have to pay that till the whole is paid. My nightmare every Tuesday is chasing people for their debt  |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *oodmessMan
over a year ago
yumsville |
Get the most cover you can afford OP. Life policies are best. Operations (should they ever need one), are very expensive - I am with Petplan who are very dear but are no hassles, but can't change due to claiming for some expensive ops that other insurers wouldn't cover without a premium. As a minimum I would try and get £7k annual cover.. this doesn't mean this is all the cover you have. This usually means you have £7k for an ear, a tail, a leg, an eye all within the same year which is renewed the next year. A throat op for grass seeds cost £4500 last year for my boy. I have heard good things about Argos - they are underwritten by AXA I believe |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
"Get the most cover you can afford OP. Life policies are best. Operations (should they ever need one), are very expensive - I am with Petplan who are very dear but are no hassles, but can't change due to claiming for some expensive ops that other insurers wouldn't cover without a premium. As a minimum I would try and get £7k annual cover.. this doesn't mean this is all the cover you have. This usually means you have £7k for an ear, a tail, a leg, an eye all within the same year which is renewed the next year. A throat op for grass seeds cost £4500 last year for my boy. I have heard good things about Argos - they are underwritten by AXA I believe"
Iv looked at Pet Plan and Argos. Argos had the same as Pet Olan, but cheaper. |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
"Pet Plan are good. Pay for the lifetime of an illness, unlike most policies that only pay for 3 to 6 months.
A little more expensive, but can't fault their customer service. "
Got to agree, Petplan are brilliant. The only company I use for pet insurance now.
I used Sainsbury too, they were good until they "sold off" that side of their business. It's nowhere near as good now. |
Reply privately, Reply in forum +quote
or View forums list | |
|
By *oodmessMan
over a year ago
yumsville |
"Get the most cover you can afford OP. Life policies are best. Operations (should they ever need one), are very expensive - I am with Petplan who are very dear but are no hassles, but can't change due to claiming for some expensive ops that other insurers wouldn't cover without a premium. As a minimum I would try and get £7k annual cover.. this doesn't mean this is all the cover you have. This usually means you have £7k for an ear, a tail, a leg, an eye all within the same year which is renewed the next year. A throat op for grass seeds cost £4500 last year for my boy. I have heard good things about Argos - they are underwritten by AXA I believe
Iv looked at Pet Plan and Argos. Argos had the same as Pet Olan, but cheaper. "
I used Argos on my old dog, they were more than great in paying out - even with diagnosable conditions (he needed an mri as he twisted his back and needed hydrotherapy). It was my mum and dad that stopped the policy - I think the policy at 11yrs that went up to £800+ so it was just cancelled.. in hindsight - all insurers do this. |
Reply privately, Reply in forum +quote
or View forums list | |
Also worth checking out if there any cashback options, via the cashback sites, like topcashback and quidco. I see petplan's on topcashback, for example.
Don't choose a provider based on cashback - which sometimes doesn't get paid, but if you've chosen, and the vendor is linked from a cashback site, then when you get the cashback, it's a bonus.
You'd have to clear your browser cookies before linking from the cashback sites to any retailer, as if you've already visited the retailer site before, they don't count you as having originated from the cashback site.
A few Fab users use cashback sites - I have for years - and always use them, before buying anything online. Had tons of cash for everything from hotels, flights and clothing. You can always use a separate web browser, that's just for the cashback site use, so there are no issues with cookies from elsewhere, preventing the cashback. Eg, firefox, opera, chrome etc. |
Reply privately, Reply in forum +quote
or View forums list | |
|
By (user no longer on site)
over a year ago
|
I have 2 westies and took a policy out with pets at home,great discounts on grooming, vet fees consultations and free health checks, special offers in store including worm, flea, lung worm treatments. |
Reply privately, Reply in forum +quote
or View forums list | |
» Add a new message to this topic
was a shit-zoo 
