Pet insurance

General discussion on all labradoodle-related matters - anything not otherwise covered by specific forums on the site.
Post Reply
TedsHuman
Posts: 54
Joined: 30 May 2016, 14:07
Location: Manchester

Pet insurance

Post by TedsHuman » 13 Jun 2016, 12:58

Hi all - another question (sorry!)

Ted's four weeks free pet insurance (petplan) runs out in 10 days and I was wondering if anyone could offer some advice on which pet insurance to choose.

There are various plans - accident only, 'limited' 12 months limited plans for conditions (not sure what this means), and lifetime conditions.

No idea what this all means? I want to have him insured so if anything happens I can choose the best course of treatment and not have to consider the vet bill as a deciding factor, whether this be an accident or an illness.

Thanks in advance
Haylie & Ted
Image

Brooks13
Posts: 94
Joined: 30 Jan 2016, 13:18

Re: Pet insurance

Post by Brooks13 » 13 Jun 2016, 14:25

I am think life time covers are the best. We have just taken out an insurance for Bee for lifetime cover with Petplan. It's £36 a month for the lowest level which I think is very expensive.... :shock:

TedsHuman
Posts: 54
Joined: 30 May 2016, 14:07
Location: Manchester

Re: Pet insurance

Post by TedsHuman » 13 Jun 2016, 14:46

Hi,

I read up a little on my lunch break and we are going to go for lifetime, just in case anything was to happen. When I watch Supervet I always say 'I hope they have insurance!'

I was quoted around £21 for the lowest lifetime cover with petplan so £36 seems very expensive! Will that increase each year also?

Thanks
Haylie
Image

Brooks13
Posts: 94
Joined: 30 Jan 2016, 13:18

Re: Pet insurance

Post by Brooks13 » 13 Jun 2016, 14:59

Apparently Petplan aren't supposed to increase like other insurers. When I did an online application I got a cheaper quote but apparently I had picked the wrong type of dog - I selected mix breed instead of crossbread. Mix would have been cheaper!

User avatar
hayl331981
Posts: 21
Joined: 05 Jun 2016, 10:07

Re: Pet insurance

Post by hayl331981 » 13 Jun 2016, 19:56

Hi, I'm still within my 4 weeks free but have started my new insurance with sainsbury's to start in a couple of weeks. They did a really good deal for there premium insurance, with 12 months for the price of 9 and double nectar points. Think I am paying just under £15 a month, should be more but the the online discount and so many months free it makes it a little cheaper a month. Hayley
Image

iwantadog
Posts: 2883
Joined: 29 Sep 2008, 19:50
Location: Dorset

Re: Pet insurance

Post by iwantadog » 13 Jun 2016, 20:13

Please, please, please get a lifetime policy. My dog was diagnosed with epilepsy when he was three and severe allergies when he was 6. His medications cost over £100 a month and it is all covered by insurance. If I didn't have a lifetime policy I would have to find this amount every month.

I'm with Help U Cover, they have been fantastic, my premiums have definitely gone up, I pay £45 a month with an £80 a year excess per condition, but as I say, they pay out over £100 a month so I'm not going to complain.
Image

ImageImageImageImageImageImage

User avatar
stout
Posts: 2302
Joined: 24 Aug 2010, 18:16
Location: Reading, Berkshire

Re: Pet insurance

Post by stout » 13 Jun 2016, 20:17

Stout is insured with John Lewis. They are not the cheapest but were really good when he was really poorly. His vet bills were £6000 in the end, there were no problems with any claims. He has prescribed probiotics which are £80 a month which they cover (typical stout he can't have probiotic cheaper paste coz it has cornflour in it). His premiums are £70ish a month now, but we couldn't move now anyway as he has an ongoing stomach problem.

He also has lifetime cover
Cheers,

Chris, Michelle & Stout

ImageImage

Image

Stout Puppy Pics:
http://photobucket.com/stoutdoodle

Doodle Dee
Posts: 3346
Joined: 30 Dec 2012, 13:50
Location: Waltham Abbey
Contact:

Re: Pet insurance

Post by Doodle Dee » 14 Jun 2016, 07:52

Get a lifetime insurance and the top amount. I didn't realis there were two amount. Just in case. A lot of insurance companies are post code related like car insurance.
Lulu & Dx

ImageImage

TedsHuman
Posts: 54
Joined: 30 May 2016, 14:07
Location: Manchester

Re: Pet insurance

Post by TedsHuman » 14 Jun 2016, 12:48

Thanks for your replies, we will definitely go for the lifetime cover.

I read some reviews and 'Animal Friends' had good reviews on trust pilot (9.1/10) I'm looking into Petplan also.

Haylie & Ted
Image

We5Kings
Posts: 543
Joined: 22 Aug 2013, 20:05

Re: Pet insurance

Post by We5Kings » 14 Jun 2016, 16:46

We have lifetime plan with morethan. We pay £15 a month for cover of £12,000. We had to make a big claim of £2,000 when Dude was around 1year old and needed to go to Bristol vet hospital. Morethan dealt with our claim extremely well. Anny

TedsHuman
Posts: 54
Joined: 30 May 2016, 14:07
Location: Manchester

Re: Pet insurance

Post by TedsHuman » 14 Jun 2016, 16:59

£15 a month seems very reasonable on lifetime up to £12k I will definitely check them out.

Did you premiums go up after your claim?

Thanks
Haylie & ted
Image

Brooks13
Posts: 94
Joined: 30 Jan 2016, 13:18

Re: Pet insurance

Post by Brooks13 » 14 Jun 2016, 17:01

Cancelled my Petplan policy today and also went with More Than. Saved £6 a month and have a better policy.

One of the reasons I choose Petplan were because my vet endorsed them. Then I had to pop into her office and saw all the certificates for members of the surgery being 'petplan top sellers'!

TedsHuman
Posts: 54
Joined: 30 May 2016, 14:07
Location: Manchester

Re: Pet insurance

Post by TedsHuman » 14 Jun 2016, 22:09

I tried to get a more than quote online but they couldn't recognise my postcode (new development) so I will try calling tomorrow
Image

Post Reply