Pet insurance!!

Re: Pet insurance!!

dinkyd — Sat, 05 Dec 2009 18:10:43 GMT

Gemma - i pay 25 quid a month for my springer and have claimed every year for the past 3!He is also life long and £6k amd £90 excess.

Re: Pet insurance!!

gemma83 — Wed, 02 Dec 2009 21:35:29 GMT

I've been with Petplan your about 4 years and each year it's gone up by about £5 a month. I'm now paying £69 a month for 2 springers (for life long insurance), the excess is £90 and they are each cover for £6000 per condition.

Re: Pet insurance!!

Faye Sewell — Tue, 01 Dec 2009 21:44:12 GMT

[quote user="NickyVN"]

Sainsburys is not per year per condition - they word it like it is but read small print and it isn't. Its £7500 per condition ie a maxium benefit policy.

[/quote]

have read through the policy and cant find anything to that effect, will phone them tomorrow.

Re: Pet insurance!!

Anonymous — Tue, 01 Dec 2009 10:27:52 GMT

I pay £36 per month with Petplan (including my staff discount!!!) for my two year old boxer, and I guess I am in a fairly expensive postcode area as I am in south Herts. This is for the 12k/year covered for life policy. I would have gone for a lower policy, but with my last boxer we spent £6k in 6 months, so figured it was better to have too much cover than not enough!

Might ask them about the holiday cover bit someone mentioned, that's quite a good idea. I did ask if I could vary my excess to change the price, but they won't let you do that on the supreme policies :(

Re: Pet insurance!!

Nicola Smith — Tue, 01 Dec 2009 09:50:23 GMT

Sainsburys is not per year per condition - they word it like it is but read small print and it isn't. Its £7500 per condition ie a maxium benefit policy.

Re: Pet insurance!!

Claire Cameron — Tue, 01 Dec 2009 00:20:23 GMT

[quote user="Faye Eaton"][quote user="Lani15"]Just a note to be aware that illnesses like diabetes, kidney dx, hyperT4, and anything that may need refferal (spinal,neuro etc) could run the £7500 out quiet quickly. [/quote] I cant think of many companys who do higher cover?[/quote]

I only knew of Petplan offering unlimited cover on the Supreme policy but this has now been withdrawn, and I think the limit is £12000 but not checked recently

Re: Pet insurance!!

Faye Sewell — Sun, 29 Nov 2009 22:07:50 GMT

[quote user="Lani15"]Lifetime cover? is that £7500 for one illness, or as many as your little one gets? [/quote] per year per condition.

[quote user="Lani15"]Just a note to be aware that illnesses like diabetes, kidney dx, hyperT4, and anything that may need refferal (spinal,neuro etc) could run the £7500 out quiet quickly. [/quote] I cant think of many companys who do higher cover?

Re: Pet insurance!!

Alana Dent — Wed, 25 Nov 2009 20:05:30 GMT

Lifetime cover? is that £7500 for one illness, or as many as your little one gets? Just a note to be aware that illnesses like diabetes, kidney dx, hyperT4, and anything that may need refferal (spinal,neuro etc) could run the £7500 out quiet quickly.

But saying that, for supermarket insurance, the amount £7500 seems reasonable.

Re: Pet insurance!!

Alana Dent — Wed, 25 Nov 2009 20:02:06 GMT

I assume as he has had a blocked bladder that you are on CD/ or Urinary? Does petplan not cover this?

Re: Pet insurance!!

FINNIGAN — Sat, 21 Nov 2009 20:49:13 GMT

i pay £20 a month for 2 labs, both 7 yrs old, they put it up tp £28, but ive taken off the holiday cover(if my hols get cancelled and cant go cos of dog illness( cant afford a holiday so no need to cover and taken off accidental death and theft, (theyr never out of my site) now brought policy to £20, a month for BOTH dogs, 2,500 cover for vets bills and £60 excess think this is pretty good, have tried to get cheaper but they wanted £35 for one dog!!!

Re: Pet insurance!!

Faye Sewell — Sat, 21 Nov 2009 10:46:42 GMT

anyone ever had problems with Sainsburys, just done an online quote and got £13.65 and £75 excess lifetime cover of £7,500 and other good cover on food, cremation etc.

Re: Pet insurance!!

Faye Sewell — Sat, 21 Nov 2009 10:08:42 GMT

just had my renawal through from Direct line its £19.01 for a 4yr Golden Ret. Do you think thats good?, have looked at M&S got a quote of £20.39 both being life time cover of £7,000 and excess of £70.

Re: Pet insurance!!

Nicola Smith — Fri, 11 Sep 2009 13:19:11 GMT

With Pet Plan you can claim as far vack as 1 year. Pet Plan DO NOT premium load if you claim but others do so worth asking the question before you take a policy out, have known peoples premiums shoot up to stupid amount.

My old terrier is still with Pet Plan, claiming approx £70 month for last 4 years, he is now 16 years old and new renewal come through for £25 month so still well worth it for him. I also have my puppy with them which is twenty something a month but have a higher level of cover for him at the moment - if you think your premium is a lot check what level of cover you have.

I am wary of other companies as most now not covering any dental treatment, many do not cover behavioural problems etc etc, at leat with pet plan you know they will pay up and reasonably quickly. Also many companies really hike the premium when they are old, I don't think mine is bad considering his age and problems - his excess is now 20% but still well worth it.

Re: Pet insurance!!

xXx Cat xXx — Thu, 10 Sep 2009 22:51:14 GMT

Hi,

I have 6 cats all with Halifax extra policies. my eldest is 6 and has had exclusions for gastroenteritis and posining. The other 5 never claimed. The 2 eldest cats are about £7 each along with the youngest who I just insured. Toby (my avatar pic) is 18 months and is a semi long haired. I spoke to a manager at halifax because his excess had risen to £75 form £50 there was nothing they could do about the excess but as he is of no particular breed they changed him to moggie on the policy and saved me £22 a year so I now pay £10.31.

Its worth asking them about these things. I worked selling these policies yy telesales while waiting to get into a TP. You would be surprised at how many policies are sold out of one small department ie Argos, Halifax, RSPCA, Buddies, PDSA to name just a few and it is not these companies that set the premium it is the underwriters which will vary them according to which company they are representing.

Hope this helps

Tracy

xXx

Re: Pet insurance!!

loopylou711 — Thu, 10 Sep 2009 22:46:59 GMT

only worry is that the insurance then goes up even mroe nxt year!! Will give them a call tommorow! thanks dinky!!

Re: Pet insurance!!

dinkyd — Thu, 10 Sep 2009 22:19:00 GMT

Yep i think thats right cos if you look on the urinary food i think it recommends to only feed for 6months unless crystals are present - there is a bit on the claim form that asks for the last few urine test results and if crystals are present i would assume if crystals are present then they would continue to pay but if after the six months there is no crystals then they would stop paying.I think with petplan you can claim quite far back - certainly a year anyway.Def worth claiming for thats what you pay insurance for!

Re: Pet insurance!!

Katie Tallett RVN MBVNA — Thu, 10 Sep 2009 08:04:19 GMT

[quote user="dinkyd"]

Correct me if im wrong but petplan doesnt pay out for prescription food - the only exception is urinary diets - they will/should pay out for urinary diets so get claiming lol!This is one of the downsides to petplan i think.Why just pay out for urinary diets what about the poor patients that have liver and kidney disease!Its not fair!

[/quote]

when i asked recently for a client about hills u/d they said that they would pay upto a certain percentage for upto 6months....

Re: Pet insurance!!

Freckle — Wed, 09 Sep 2009 23:04:26 GMT

i have my x-breed dog and dsh on same policy with tesco for £18 pcm. both young, no claims, no pre-existing conditions, £50 excess for both i think. obviously there is a cap on tx per condition, but am hoping, that being in practice, that work would help out if i ever passed that cap.

interesting to hear about companies refusing to pay out if all conditions are not disclosed - i know of a few clients who only request claims for one condition, when others (unrelated) are ongoing...

Re: Pet insurance!!

sisterscope1 — Wed, 09 Sep 2009 22:41:00 GMT

I was paying £44 per month for my old dog with petplan, which is more than I pay for my car! Never claimed a penny. Irish wolfhound >7 yo with £60 excess and to pay 20% of final bill, I cancelled at 7 years old. Live til 9.5!

Re: Pet insurance!!

loopylou711 — Wed, 09 Sep 2009 22:35:53 GMT

[quote user="dinkyd"]

[/quote]

This is awesome!! do you think theres a limit how fsr back i can claim, its been about a year now!

thanks Dinky!!!

Re: Pet insurance!!

Vicky RVN — Wed, 09 Sep 2009 22:26:57 GMT

They could at least pay out for a percentage of the food bill because i suppose their argument for not paying for food is that you have to feed the animal regardless of what food. So if they paid some of it this would cover the extra cost of it being an expensive prescription diet.

Re: Pet insurance!!

dinkyd — Wed, 09 Sep 2009 22:22:33 GMT

Re: Pet insurance!!

loopylou711 — Wed, 09 Sep 2009 11:20:49 GMT

thats why i liek pet pans covered for life plan. No matter how many times he blocks up hes covered! an you claim for food do u think lol! costs me a bloody fortune!!!

Re: Pet insurance!!

Fiona Leathers — Wed, 09 Sep 2009 10:56:02 GMT

Premiums depend on postcode and age & breed of dog, not (supposedly) how many times you have claimed. You can get in touch with your insurance company and ask them to review any exclusions, if there has been no treatment for a certain time length, such as 2 years.

Julie - if the elbow thing was a while ago I would ask them to review it and I would put a claim in for the incurin, going right back to the beginning. Some companies will pay out for up to a year's worth of treatment so it may be well worth doing. It would also cover you for any further investigations.

Some companies will refuse to pay out on treatment if you haven't told the insurance company that its being treated for something different. We've got one patient who has eye issues but because the owners failed to tell about ear treatment, the insurance company has now excluded this. Sometimes its worth putting in a claim even though its not over the excess, just so they know that its happened.

Premiums do go up every year and supposedly nothing to do with the amount of claims you have had.

Re: Pet insurance!!

Vicky RVN — Tue, 08 Sep 2009 22:13:31 GMT

I pay £14.21 a month for Jack with Pet Plan with an £80 excess (with practice discount). He's two years old so haven't claimed (yet!). The renewal is in oct so will see how much it's gone up. £35 is a hell of a lot to pay !!! I'm not really sure what i'd do. I don't think i'd change, but that is SO much money! Sorry not much help!