Pet inurance

[filbertway]

Thinking of taking the plunge and getting pet insurance for my 3 year old dog but never done it before.
 

Just wondering if people think it's worth it and if so, any recommendations of companies/plans that I should look out for?

 

Answering this has to be more interesting than watching us struggle to attack a league two team.

[Unabomber]

My dog was insured by scratch and patch with a limit of £8k. Unfortunately he suffered a back issue which is common in the breed. Anyway the surgery and all the care was £8k and tbf these guys sorted it with the vets without question so with that in mind I would fully recommend them. The monthly cost was low as well only about £20. Nigel isn’t currently insured as insurers won’t cover the same issue until 2 years later. We should get quotes soon but it’ll be hundreds a month now due to what happened. 

[Unabomber]

I would say get the dog insured though cos the cost of anything in the vets is crazy. You either put £100 away each month as a contingency or just get a decent affordable cover level. 

[filthyfox]

DEFINITELY  do it.

Pet Plan are good with claims.

[Trav Le Bleu]

1 hour ago, Unabomber said:

My dog was insured by scratch and patch with a limit of £8k. Unfortunately he suffered a back issue which is common in the breed. Anyway the surgery and all the care was £8k and tbf these guys sorted it with the vets without question so with that in mind I would fully recommend them. The monthly cost was low as well only about £20. Nigel isn’t currently insured as insurers won’t cover the same issue until 2 years later. We should get quotes soon but it’ll be hundreds a month now due to what happened. 

Do you have a cat named Claudio and a goldfish named Brendan?

[Tommy G]

11 hours ago, filthyfox said:

DEFINITELY  do it.

Pet Plan are good with claims.

Agreed, I'm with Pet Plan and cant fault them. Just dont chop and change insurers.

[Dr The Singh]

12 hours ago, filbertway said:

Thinking of taking the plunge and getting pet insurance for my 3 year old dog but never done it before.
 

Just wondering if people think it's worth it and if so, any recommendations of companies/plans that I should look out for?

 

Answering this has to be more interesting than watching us struggle to attack a league two team.

Pet inurance is nearly as necessary as Pet Insurance.  If we didnt have it our pet bills would be £5k a year.  Unfortunately Lucious Singh our Dachshund has many allergies and a skin condition.

[phoneticerror]

12 hours ago, filbertway said:

Thinking of taking the plunge and getting pet insurance for my 3 year old dog but never done it before.
 

Just wondering if people think it's worth it and if so, any recommendations of companies/plans that I should look out for?

 

Answering this has to be more interesting than watching us struggle to attack a league two team.

100% worth it, just check the small print. My cat became diabetic when he turned 10 and most of the costs were covered…. for one year. I hadn’t realised this.

 

After that year, they refused to cover him for anything linked to diabetes and his fee went up to £35 a month. Obviously everything can be linked to diabetes if you don’t want to pay, so we cancelled and let him live out the remaining 3 years without insurance and we had to pay for his insulin, needles, checks etc. He was put to sleep this year after the vets suspected he had cancer. 
 

So my recommendation would be to get insurance, but make sure you check the T&Cs and pay like 50p more a month to have lifetime cover. 

[filbertway]

1 minute ago, Dr The Singh said:

Pet inurance is nearly as necessary as Pet Insurance.  If we didnt have it our pet bills would be £5k a year.  Unfortunately Lucious Singh our Dachshund has many allergies and a skin condition.

Yeah I'm certainly seeing a pattern from all the replies, sound like £15-20 a month is well worth it.

 

God help me when I spell her name wrong on the application form

 

[Dr The Singh]

Just now, filbertway said:

Yeah I'm certainly seeing a pattern from all the replies, sound like £15-20 a month is well worth it.

 

God help me when I spell her name wrong on the application form

 

I will help you my child.

[filbertway]

1 minute ago, phoneticerror said:

100% worth it, just check the small print. My cat became diabetic when he turned 10 and most of the costs were covered…. for one year. I hadn’t realised this.

 

After that year, they refused to cover him for anything linked to diabetes and his fee went up to £35 a month. Obviously everything can be linked to diabetes if you don’t want to pay, so we cancelled and let him live out the remaining 3 years without insurance and we had to pay for his insulin, needles, checks etc. He was put to sleep this year after the vets suspected he had cancer. 
 

So my recommendation would be to get insurance, but make sure you check the T&Cs and pay like 50p more a month to have lifetime cover. 

I had noticed there were 3 different types of cover. Time-limited, amount-limited and lifetime. It sounds like lifetime is the way to go  

[Dr The Singh]

Just now, filbertway said:

I had noticed there were 3 different types of cover. Time-limited, amount-limited and lifetime. It sounds like lifetime is the way to go  

Yes, lifetime, pay the extra.

[filthyfox]

53 minutes ago, filbertway said:

Yeah I'm certainly seeing a pattern from all the replies, sound like £15-20 a month is well worth it.

 

God help me when I spell her name wrong on the application form

 

They will probably want tge microchip number too, so no hassle there

[Dr The Singh]

20 minutes ago, filthyfox said:

They will probably want tge microchip number too, so no hassle there

I have @filbertway microchip number if needed.  I own his ass.

[Daggers]

Reasons not to insure your pet:

1. You’ve won the lottery
2. You inherited vast sums of wealth
3. You enjoy selling body organs to pay your vet bill
4. You hate your pet and want it to die

[filthyfox]

27 minutes ago, Daggers said:

Reasons not to insure your pet:

1. You’ve won the lottery
2. You inherited vast sums of wealth
3. You enjoy selling body organs to pay your vet bill
4. You hate your pet and want it to die

I actually think number 4 is what you show the world when you don't insure

[Lako42]

Lifetime 

 

Lifetime 

 

Lifetime 

[filbertway]

22 minutes ago, filthyfox said:

I actually think number 4 is what you show the world when you don't insure

I hadn't realised how much I loathed her till you chaps pointed it out

 

[Dr The Singh]

Is there anything for wife inurance?

[filthyfox]

17 minutes ago, Dr The Singh said:

Is there anything for wife inurance?

You mean LIFE insurance?   Doesn't cover suicide, but does cover murder!

[Daggers]

I hate insurance, I've never claimed on a policy I've taken out for anything so only ever buy the minimum legal amount of cover...except the dogs. And boy have we claimed on our policies for each and every dog we've ever had.

[Dr The Singh]

32 minutes ago, filthyfox said:

You mean LIFE insurance?   Doesn't cover suicide, but does cover murder!

Murder you say

[filthyfox]

15 minutes ago, Daggers said:

I hate insurance, I've never claimed on a policy I've taken out for anything so only ever buy the minimum legal amount of cover...except the dogs. And boy have we claimed on our policies for each and every dog we've ever had.

You must live a charmed motoring life....   or not own a car!

[izzymuzzet]

2 hours ago, Lako42 said:

Lifetime 

 

Lifetime 

 

Lifetime 

100% agree with this. Get lifetime cover.

 

Mine is currently insured by ManyPets. Not the cheapest but he's had a few issues so worth it for us. We've previously had a decent experience with PetPlan - had to make a claim for over a grand and they sorted it pretty quickly.

[Red Squirrel]

The Exec responsible for Pet Insurance at Markerstudy Insurance is a long time LCFC supporter and ticket holder. The people who built their  advanced IT system for managing any Pet claim are LCFC season ticket holders. You'll get any claim paid much quicker than others.

 

Its who you know