Daily Chihuahua

I want to take out pet insurance for my rottweiler in Northern Ireland (UK) but i keep reading mixed reviews online, so far im considering M&S as Halifax worked out at 100 a month but has fantastic reviews unfortunately. Any recommendations? I don’t mind paying a lot on excess but i want a company that will pay direct not on like I pay first then they refund me type basis. And i most definitely want cover for cancer, but i’m not sure they do cover this treatment? any help please, i’m very confused! i’m reading a million terms and conditions, and its all turned to mush! thanks for your time x

I would imagine they all cover cancer, I can’t think of anyone that would exclude it. The important bit to check with whether you get lifetime cover or cover just for a year after diagnosis.

As for the paying direct, that depends on you setting an agreement with your vet to arrange direct claims. It is most vets policy to get the money from the owner and then the owner get reimbursed by the insurance company, however you could always speak to your vet in advance about the possibility of arranging a direct claim. I haven’t heard of any insurers that don’t do direct claim, but I may be wrong.
Also remember to keep your vaccinations up to date, as it’s a clause in most insurers small print and if you lapse then they won’t pay out for anything (vaccinatable disease or not).
I can’t give you an actual insurer to go for – a) because they’re all so different and it really depends on what you want and b) because I’m legally not allowed to as a vet!