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What is the best pet insurance for my puppy?No related posts. 5 comments to What is the best pet insurance for my puppy?You must be logged in to post a comment. |
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l use Marks Spencers pet insurance for my three dogs, they did have a no excess policy up until about two years ago, but now the excess is £70. l’ve checked a few different companies and they all have an excess to pay.
l’d recommend MS, l’ve used them for a few years and never had a problem with them paying out, they pay direct to the vets so l’ve no money to pay up front once the excess is covered.
They cover for life, and also cover on going conditions, you need to check that whatever insurance you choose will cover for life, some will refuse to insure if your dog gets an on going condition.
My Lab suffers from allergies and is at the vets at least once a month for treatment and check ups, this has been going on for three years, and the insurance covers it all.
The cost of covers varies a lot, you need to check the cost and what it covers, l pay about £60 a month for three dogs.
My Dobermanns are insured with PetPlan on their supreme plan.
Why do I opt for insurance?
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The cover for life is means that I can claim for the same condition for the lifetime of the dog, all I would have to pay is the excess. I have third party cover if my dog causes damage, complementary medicine such as hydotherapy/physiotherapy. For larger claims I can claim direct which means the money is paid by insurance company directly to the veterinary practise.
When has insurance been invaluable to me?
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Case 1. In 2003 my male Dobermann Boris was diagnosed with aggressive skin cancer. Referred to a veterinary hospital with a speicalist team of oncologist. Over 3.5 years the bill to PetPlan was in excess of £10,000, I paid £195.00. Boris lived life to the full, so worth every penny.
Case 2. A Dobermann b*tch developed pyometra, taken to the emergency vet at 23:00, out of hours surgery. Total bill over £700.00.
Case 3. My current Dobermann b*tch ruptured her cruciate had TPLO surgery in November 2007. The total bill (including physiotherapy and hydrotherapy was £4,300. I paid £65.00.
Well worth the extra money.
Tesco i have used them for the last 5 years and when my German Shepard died they even paid for a private cremation they are brilliant and very reasonable i have two dogs and they are both insured with Tesco
Definitely Petplan. They deal purely with pet insurance, unlike Tesco, MS, etc.
Petplan were recommended to us by our vet and several other people.
We opted for the Covered for Life policy which pays out year after year up to a certain value. You need to be careful as some budget policies may pay up to a certain amount and when that is reached they stop.
We adopted 2 dogs from the Dogs Trust and within a month one needed an operation on her eye which altogether cost us almost £1000. We paid the £80 excess and can claim the rest back.
Now, say if we had the budget plan and this problem occured for the rest of her life, they may only pay up to another £1000 or so then stop. And we would be left paying for treatment for the rest of her years.
With the Covered for Life policy we don’t have to worry about that.
x
Take a look at Trupanion.com
They specialize in puppies and kittens under one year of age and therefore have very low premiums.
Steve