«  
  »

what is the best pet insurance for my 1year old labrador?

No related posts.

January 8th, 2009 | Tags: | Category: Other - Pets

7 comments to what is the best pet insurance for my 1year old labrador?

  • Knownow't
    January 10th, 2009 at 9:02 am

    I have two Labradors and have used Pet Plan for over 13 years…one of the Labs is a real creaking gate and has had lots of things wrong with her, but they have never refused a claim and pay promptly…so I recommend them.

  • got a nice brown hat
    January 12th, 2009 at 12:19 am

    my friend shopped around for her chocolate labrador… she found Tesco to be the cheapest…but have a look at all of the supermarket insurances…they do good deals.

  • eric
    January 13th, 2009 at 6:51 pm

    Its best to ask your vet if they recommend one. Some companies pay the vet directly for example, whereas others reimburse you. Your vet will have experience of dealing with them.

  • Jo
    January 14th, 2009 at 4:36 am

    My vet said Pet plan is the best you can buy so that;s what I have, they provide life cover, a lot don’t.

    Be prepared to answer the health history though as they won’t cover you for anything the dog has had problems with. Our Dog (Bassett) had Panostitis as a Pup and now they won’t cover any of his limbs!

  • Chalice
    January 15th, 2009 at 2:14 pm

    I didn’t know Homebase did pet insurance. Had a look at the link though and it doesn’t look like one of the greatest – the tell tale sign is the small print after the table: ‘ongoing cover limited to 12 months after the incident’. This will be no good for when your dog gets older, which is when he’s likely to develop lifetime conditions like diabetes, arthritis or heart trouble, also if he ever develops any kind of allergies as these will require lifelong treatment. They’ll only pay for it for a year and then you’re screwed basically.

    Taking out any policy that doesn’t include ongoing conditions is taking a risk. Labs are prone to hip dyplasia for one thing, which can cause bigger problems as time goes by. Arthritis is another likely one, especially as labs are hard to keep slim.

    I always recommend PetPlan or Kennel Club insurance – they’re the most expensive because they’re the most complete cover. You will get a maximum amount you can spend on one condition per year, say £8,000 but then this amount will be replenished the following year, which will cover any ongoing conditions.

    I also have it on good authority from the girl I work with who deals with the insurance claims – PetPlan are a pleasure to deal with and usually happy to pay up promptly, whereas some companies can be a nightmare to wheedle money out of and will do everything to get out of paying out.

    Chalice

    EDIT: Just a note about insurances that promise to pay the vet directly – this is not actually their decision, since the insurance policy is between you (the client) and the insurance company. Vets have a right to request payment at the time,even if you have a policy that promises to pay the vet direct – not their decision.

  • Yanine
    January 17th, 2009 at 6:08 pm

    I would recommend Pet Plan as well. You can save some money by buying it through a cashback site: (£25 cashback)

  • John S
    January 19th, 2009 at 6:27 pm

    I think Petplan would be better:

You must be logged in to post a comment.