Pet insurance quotes

Discussion in 'Motorhome Chat' started by tofo, Jun 30, 2013.

  1. tofo

    tofo Funster

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    When we had buster and tuppence
    It was a simple matter getting them insured
    Look online for a dog size and cost

    Now every site I have been on
    Only want to give a quote

    No or very limited pricing

    There is so many but do you really
    Want to give your details over to so many companies
    Because they never let go of your address or phone nos

    Oh well back to the search

    :Eeek::Eeek::Eeek:
     
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  2. bobandjanie

    bobandjanie Funster Life Member

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    Me again! :Smile: I have a big beef with pet insurance. Of course, if you want to insure your dawg then do so, I would hate to have the finger pointed at me if there was a claim situation but no cover. Firstly my beef is that it is the insurance companies being hand in glove with veterinary practices that have helped to push prices of treatment so ridiculously high. They will be paid whatever they charge because the animals are insured or because the owners will delve so deep to get to get their furry family treated. Secondly, many animals end up being put through some nasty investigations and treatments because they are insured. Once upon a time, for example, an animal may get a mass growing inside them and we would go to the vets and be told that it is a cancer of some sort, we would go off and give our friend the best life we could whilst they were not in any pain and when the day came that their quality of life was not good we would call the vet out (another personal thing, their departing from life should be at home) and our friend would be put to rest. Now, investigations, operations, times spent in cages at vets without family around, drugs and drips. Not sure that is being kind.
    If I was sensible (but I have not) I would start a vet fund, put so much aside each month to help pay for any reasonable treatment and hope for the best. It is all a gamble. Once again just my opinion. Jane :Smile:
     
    Last edited: Jun 30, 2013
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  3. tofo

    tofo Funster

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    I can't disagree with you as I feel much the same

    We haven't fully decided as yet
    It's just a friend we walk
    has a 7 mnth old jack Russell
    She ate a stone £1200 to retrieve it
    And we have a garden full of stone chips
    Mrs t said they will have to go
    Until I reminded her buster and tuppence
    Never ate stones
    plastic wood and other stuff yes
    But not stones

    As I say you have to have a quote
    There is No we do it at this price

    I realise all dogs vary even the same breeds
    but a price structure can't be hard and if your dog doesn't
    Fit the standard then a quote would be in order surely

    :thumb::thumb::thumb:
     
    Last edited: Jun 30, 2013
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  4. DESCO

    DESCO Read Only Funster

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    Must say I agree with bobandjane on this. We also self insure our dogs and have done so for years. since taking on an older poodle years ago that we could not get insurance for.
    If you put cash aside in an account and only touch it as a policy would let you unless you are very unlucky it should work.
     
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  5. treetops1

    treetops1 Funster

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    Please save your money we paid insurance for 15 years without a claim and when needed too they refused to pay on a minor technicality ,thieves are how we regard them save your money.:Angry:
     
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  6. ShiftZZ

    ShiftZZ Funster Life Member

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    Bill there was an article on the radio some weeks ago and they were discussing pet insurance. What they said was that in the old days there were one or two companies who specialised in this type of cover, then in dawned on the rest of them the potential to make money. You may find that the ‘new’ players have very different and vague terms and conditions and they are able to get out of a lot of treatment. The conclusion of the programme was to use those who have been in this particular market for a long time.

    http://www.bbc.co.uk/news/business-17680142

    http://www.bbc.co.uk/news/business-16547402
     
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  7. Armytwowheels

    Armytwowheels Funster Life Member

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    Completely agree with you. The only thing I am not sure about is pet insurance for taking the dog to Europe. I have not done any research on this yet but I am guessing we will need to get some cover?
     
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  8. ourcampersbeentrashed

    ourcampersbeentrashed Funster

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    If you really need pet insurance I have heard John Lewis do a good one.
     
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  9. bobandjanie

    bobandjanie Funster Life Member

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    I cannot comment on pet insurance for europe with any experience but I have a vague feeling many UK policies do not cover once you go abroad and certainly there is no legal requirement for your pet to be insured abroad. Jane :Smile:
     
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  10. WillH

    WillH Funster

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    When I got my current dog, some six years ago I asked our Vet about insurance. He asked if I could afford a couple hundred pounds for a treatment, answer, yes. Could I afford a couple of thousand, answer possibly. After that, it's a dog after all. We don't have health insurance since I stopped work and have never had insurance for other dogs. Sit down and think about it. When I was a kid pet insurance had not been dreamed up.

    Bill
     
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  11. lesleyjean

    lesleyjean Funster

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    I absolutely agree with this post.
    Couldn't have put it better myself.

    I also would just start a vet fund.

    Young dogs seldom need to see the vet.

    So in early years you should save a considerable amount.

    In my opinion vets no longer care for the pets and will look for any reason to investigate. :Eek!:

    It is a decision only you can make, but weigh up all the options:BigGrin:

     
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  12. damondunc

    damondunc Funster

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    We have 5 dogs ranging in age from 4yrs to 14yrs , at the last insurance renewal the company wanted £1500 . I didn't renew and instead put the monthly payment i had been making into a Dog account , all vaccinations come out of it and a few treatment bills , i still have over £800 in the account , one of mine has just been diagnosed with an under active thyroid so could be on meds for a long time ( typical he is the youngest ):Doh: , his meds will only be about £11 a month so i will just up the amount i put in to cover it.
    I am lucky that although a couple of mine have conditions there is nothing that will cost a lot to deal with ( i may have to get a little cart for one that has crystalised discs if rear end paralasis takes hold again as she gets older , i have already discounted spinal surgery as an option, suprisingly the vet agreed and would'nt put his own dog through it )
    I get the impression that some treatment is given because the dog is insured not because the dogs best interest are put first.
    A previous vet wanted to put my old boy in for an MRI Scan to diagnose a hip problem, cost £2000 , present vet diagnosed it with a piece of paper and a bit of manipulation, cost £48 and that included a bottle of metacam .
    Sorry bit long winded
    Chris
     
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  13. DuxDeluxe

    DuxDeluxe Funster Life Member

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    We now self insure, so it seems do a lot of people....... Just make sure we have the money out aside just in case. It started costing a lot each month for the various animals and it only went one way. Upwards.
     
  14. TheBig1

    TheBig1 Funster Life Member

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    The other side of the argument is that paying the insurance can save a whole lot of heart ache or losing a furry friend too young.

    my old boy that I lost 2 years back had loads of problems and the insurance paid out more than I ever paid them. age 4 he broke his hip joint by putting a foot down a rabbit hole whilst running. cost about £2000 with the after care. age 6 he was in the vets due to blackouts and collapsing when excited. medication for life about £600. age 8 first cancerous tumour £1200 plus ongoing meds. age 10 another more serious tumour and major op £2000 given max 3 years prognosis. more meds for life. age 16 another tumour that eventually removed his quality of life. chemo offered at £1200+ but rejected and we let him go. insurance company posted us a cheque for £500 for the loss of the dog, which we returned and asked it go to charity.

    could you afford the scenario we went through or would it be too much? I know without the insurance it would of hit our savings more than the total amount of insurance we paid out and could budget for.

    We currently have 3 dogs and insure them all for under £800 per year for full cover including all the possibilities such as loss of holiday cover and getting an injured pet home after emergency treatment. Really do recommend Pet Plan insurance, as it really is worth the payment. our daughter is a vet nurse and we have vet friends, they all recommend Petplan as they are easiest to deal with and will fund the treatment needed, not just cheapest option. From sad experience I can say they pay out quickly and dont leave your pet suffering as they decide what to cover like some other cheaper companies do
     
  15. denpar

    denpar Funster

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    personally we choose to insure, for us it is peace of mind that should something happen then we will not have to make a decision on the basis of cost. I did a lot of research when choosing my insurance as many policies do not cover European travel, we eventually went with direct line as they covered up to three trips abroad each year.
     
  16. Tykatem

    Tykatem Funster

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    Earlier this year, our 8 month old (at the time) Standard Poodle became very ill and we had to take him to the vet. They thought it was meningitis, which they couldn't diagnose for sure or treat properly, so they got us to take him to Dick White referrals down near Newmarket, which is one of the largest specialist veterinary centres in Europe. Short version is that after nearly a week of being tested, scanned and probed, they found out that he had Sterilelymphadenitis (a condition where all his lymph nodes swelled to the point where he was in contant pain) With their help and several months of taking various tablets, he made a full recovery. Cost was over £5000 and yes the pet insurance paid up.

    Pete
     
  17. Speve

    Speve Funster

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    We have two dogs now and have had dogs over a fourth five year period have never had insurance as we believe it's poor value we have a dog fund which we have paid into ever since owning a dog and we are still in profit with it so will continue.
    Hate giving our hard earned to shareholders of insurance companies.
     
  18. Andy H

    Andy H Funster

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    We have Ralph insured with Animal Friends. He is covered up to £2k for emergency cover, for up to 3 trips a year, each trip no more than 30 days, EU only. so far his premiums have not gone up ( apart from a few pence for insurance tax increase), one year it actually went down, I treated myself to a packet of crisps with the money we saved. Although he is only 3 years old, as he gets older we expect the premiums to increase and we may at some point decide to "self insure" as others have suggested. We currently pay £16pm, he's a Border Terrier. So far, apart from annual vacs and his passport/rabies vacs, he has only required one vet treatment at £28, so far we would have saved over £550, but it doesn't take many serious accidents or illness's for the insurance to be worthwhile.

    My sister self insured as their Boxer as it got older and the premiums became excessive, she reckons she saved loads.
     
  19. Billggski

    Billggski Funster

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    Dogs Trust will cover all your dogs for public liability of £1,000,000 for £25, or £12.50 if a pensioner.
    Then set up a self insure account, we've not touched it in five years, so far. That's saved over £2,500!
     
  20. marrod23

    marrod23 Funster

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    Maybe we should have a company doing it for funsters at a discount
     
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