I’m wanting to insure my 2 year old dog and puppy, with one dog I assumed my savings would cover any issues but we’re getting a puppy in a couple of weeks so wanting pet insurance for them. I’ve gotten quotes from many companies and read reviews but can’t decide, was wondering if people could share their own experiences. I was thinking of Pet Plan but wondered if their annual payments increase dramatically each year?
Pet Plan quoted me £44 for two dogs – both Shih Tzu.
I am leaning more toward the savings account for both… we had no problems with our previous dogs who lived to be 11 years and 16 years but then I think were we just lucky?
More Than are cheap and seem to offer alot for the monthly premium but I’ve read negative reviews on them.
As I’ve answered already to questions like this, while of course it’s your choice, personally I’ve always felt it far better to maybe open a separate Bank account and put a sum aside monthly rather than contribute to Insurance companies. Depends on whether you have an ‘at risk’ breed(s) too (although in that case, your premiums will be loaded!) but provided you have basically healthy dogs, your vet bills should be minimal. Over the years, this has been the case, generally, with our hounds – and as we kept numbers, insuring them was not viable. We had a good relationship with our vet who knew we’d pay her before putting food on our table, if necessary – and she allowed us to stage pay any unexpectedly big bills we did have.
I took quotes on my puppy Whippet when our numbers were down to just two dogs and even with a breed like a Whippet, which is relatively free of hereditary problems, the quotes I got were horrendous. And the excesses were the nail in the coffin. Most set these (UK) at around £75 which, how amazingly, you’ll find most vet visits come out well under – which means you end up paying the vet in any case, plus the monthly premiums!!
I’d advise you to shop around because they do differ – my brother in law, who checks everything (!!) uses More Than, but I think companies like the big supermarkets, Tesco, Sainsburys, are competitive.
Pet Plan came out way more expensive (for what extra?) than others when I checked by the way.
#1 by Chez on July 16, 2010 - 9:21 pm
I would go with Directline they offer an advanced cover of £6000, probably round about the same as PetPlan but with lower monthly payments.
If you can’t decide go to pet insurance compare.com.
References :
#2 by MamaBas on July 16, 2010 - 9:49 pm
As I’ve answered already to questions like this, while of course it’s your choice, personally I’ve always felt it far better to maybe open a separate Bank account and put a sum aside monthly rather than contribute to Insurance companies. Depends on whether you have an ‘at risk’ breed(s) too (although in that case, your premiums will be loaded!) but provided you have basically healthy dogs, your vet bills should be minimal. Over the years, this has been the case, generally, with our hounds – and as we kept numbers, insuring them was not viable. We had a good relationship with our vet who knew we’d pay her before putting food on our table, if necessary – and she allowed us to stage pay any unexpectedly big bills we did have.
I took quotes on my puppy Whippet when our numbers were down to just two dogs and even with a breed like a Whippet, which is relatively free of hereditary problems, the quotes I got were horrendous. And the excesses were the nail in the coffin. Most set these (UK) at around £75 which, how amazingly, you’ll find most vet visits come out well under – which means you end up paying the vet in any case, plus the monthly premiums!!
I’d advise you to shop around because they do differ – my brother in law, who checks everything (!!) uses More Than, but I think companies like the big supermarkets, Tesco, Sainsburys, are competitive.
Pet Plan came out way more expensive (for what extra?) than others when I checked by the way.
References :
#3 by Sarah on July 16, 2010 - 10:16 pm
I went through http://www.themoneyexpress.co.uk and found a really good deal there to insure my cat.
References :
http://www.themoneyexpress.co.uk
#4 by KEELEY on July 16, 2010 - 10:49 pm
i have both my dogs with More Than. i made a claim last year for one of my dogs and i had no problems when it came to claiming my money back. they gotten a little expensive though and when my other dogs (the one i didn’t claim for) renewal comes up I will be changing hers to directline as they seem the cheapest at the moment.
I can’t change my other dogs because of the claim, well I could but he wouldn’t be covered for the same thing again.
References :
#5 by darl on July 16, 2010 - 11:04 pm
best people to go with is pet plan or direct line
because they are the only ones i know that pay the vet direct
the other plans you go to pay vet first even if vet bill 3 k
but also you got to check if the vets will accept it that way too directly
good vets i know is vets 4 pets and they accept direct line and petplan
http://www.vets.co.uk/
edit 1
yes that what type of dog mine is a shih tzu im paying 23 pound a month with mine on pet plan
but direct line is cheaper
id still take pet insurance out untill you got plenty in the bank saved up
unless you got plenty of credit cards
References :
with pet plan
and with vets 4 pets
dog had surgery only had to pay excess
#6 by englishdouble on July 16, 2010 - 11:49 pm
Try Direct line i am paying £22 per month for my 5 year old Lab and 2 year old Weimaraner.The cover is as good as anywhere else too. Hope this helps.
References :