Pet Insurance. Probably a good idea.
- Thread starter Narj
- Start date
How much would he have paid out in insurance by now?
I don't have insurance. I just pay money into savings each month.
So what happens when something happens and it costs double (for instance) what you have "put aside" ?
Sorry, I thought that was part of the general vocabulary by now. Put To Sleep.
Oh, never seen that before, fair enough.
I shrug my shoulders and pay the difference. This time I lost, on average I'll win. Because that's the way insurance works - by charging you more than they pay out.
There are all sorts of things in life you'll be offered insurance on, most of them are cheap enough that you could pay for whatever it is anyway. If you pay for insurance on them all, all you're doing is paying out money to insurance companies for a small amount of peace of mind. Better to only pay for insurance on things you can't pay for (house, contents), or legally require (car), and simply save your money on the rest.
If this were true she'd have got insurance.
I wouldn't want to run the risk of not being able to pay the difference, but I understand what you mean.
Cats arn't real pets (waits for the flak.......), best to just throw them in the river....
I know you want to help the dog, but unless you are wealthy and can easily afford it, £4000 is madness. The problems could re-occur, there might be a lot of aftercare involved, any number of things could push that price up.
I know its a shame but if it meant the world to her she would have got insurance, everybody should have it. If you cant afford that, then you shouldn't have an animal.
Hope you get it sorted.
I'm going to assume you are joking, otherwise you are just retarded.
I know its a shame but if it meant the world to her she would have got insurance, everybody should have it. If you cant afford that, then you shouldn't have an animal.
Hope you get it sorted.
I'm going to assume you are joking, otherwise you are just retarded.
Insurance isn't about getting "value for money", it's about mitigating against extreme events. House burning down, car being stolen, cat getting cancer.
If you can cover all these events then fair enough. But for a lot of us, a small and regular payment is more manageable than the very occasional large and unexpected payout.
I dislike like cats yes but I wouldn't really want to pollute a river. (sorry just whiling away my last few minutes at work)
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My parents have pet insurance which I set up for them.
I chose £35 a month per dog, it's come in very useful.
One of the dogs had to go to a specialist clinic in London for two weeks! Cost over £10,000!
Luckily the insurance paid out!
I chose £35 a month per dog, it's come in very useful.
One of the dogs had to go to a specialist clinic in London for two weeks! Cost over £10,000!
Luckily the insurance paid out!
Wow, I didn't know you'd have a computer with you collecting trolleys at Asda.
He's probably on his phone ^_^
That's not strictly true - certainly not in the wording of our insurance policies.
Existing, known conditions are not covered.
You're quite right there - or else everyone would wait until their pet was ill and then take out the insurance.
But as for conditions you don't know about?
My cat could dvelop cancer 6 months after we've taken out the insurance.
The company could claim it was pre-existing - and we'd get no pay out.
Not the experience most people have.
If you've got an ill pet when you take out insurance and that illness then turns out to be something nasty I can see a disputed claim.
But if for all terms and purposes I appear to have a healthy can but one month after I take out the policy he's diagnosed with something - I cannot see how that can possibly be classed as pre-existing.
Soldato
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- 3 Aug 2010
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I had a cat that wasn't insured a few years ago - she got clipped by a car and broke her hip, the op cost me just over £700 which was hard to scrape together and meant me having to live frugally for a couple of months (I'd just started in my first job and wasn't earning much at that point).
Now we just got 2 kittens - had them insured from Day 1, but sadly the insurance doesn't cover anything which happens in the first 10 days of taking it out. Turns out they'd caught cat flu from their mother and within about 3 days were really poorly. Took them to the vets, couldn't claim on the insurance because not enough time had passed.
Cat flu persisted and recurred 2 or 3 times, but couldn't claim because it counts as a "pre-existing condition".
They've cost us about £500 for the two of them in vet visits, antibiotics, injections, eyedrops since - thank goodness that we're a couple with decent jobs and we're in a better financial situation than I was by myself a few years ago. Obviously having to pay out £500 hasn't had us jumping for joy, but at least it didn't lead to us being skint or anything.
The vets, in fairness to them, as we've gone so many times, tried to keep the costs down for us. They only charged us for one consultation each time, not 2, and dispensed the drugs as if they were for one cat only but prescribed double the amount so we got enough for them both but didn't pay two lots of dispensing fees. It saved us £22 on each consultation and don't know how much on dispensing fees. I know it doesn't seem much but other vets I've been to wouldn't do that. And as its a small practice we've only ever seen 2 vets there, they both know the kittens and seem to really care about their progress.
Blooming animals, so expensive. But they're so worth it - insurance is invaluable (let's hope that if anything else goes wrong it can actually be claimed for!)
Now we just got 2 kittens - had them insured from Day 1, but sadly the insurance doesn't cover anything which happens in the first 10 days of taking it out. Turns out they'd caught cat flu from their mother and within about 3 days were really poorly. Took them to the vets, couldn't claim on the insurance because not enough time had passed.
Cat flu persisted and recurred 2 or 3 times, but couldn't claim because it counts as a "pre-existing condition".
They've cost us about £500 for the two of them in vet visits, antibiotics, injections, eyedrops since - thank goodness that we're a couple with decent jobs and we're in a better financial situation than I was by myself a few years ago. Obviously having to pay out £500 hasn't had us jumping for joy, but at least it didn't lead to us being skint or anything.
The vets, in fairness to them, as we've gone so many times, tried to keep the costs down for us. They only charged us for one consultation each time, not 2, and dispensed the drugs as if they were for one cat only but prescribed double the amount so we got enough for them both but didn't pay two lots of dispensing fees. It saved us £22 on each consultation and don't know how much on dispensing fees. I know it doesn't seem much but other vets I've been to wouldn't do that. And as its a small practice we've only ever seen 2 vets there, they both know the kittens and seem to really care about their progress.
Blooming animals, so expensive. But they're so worth it - insurance is invaluable (let's hope that if anything else goes wrong it can actually be claimed for!)