Pet Insurance and the ever increasing costs
- Thread starter Vanquish-Storm
- Start date
Don't cats have nine lives. I know of one who may lose one if I catch it on my lawn again.
Tesco here, £35/month for 4 cats, with a £120 excess on each + 20% for the 2 who are over 7.
Never made a claim though, so no idea how that process is - tempted to sack it off to be honest, we just had to pay £260 for the oldest to have emergency treatment for an infected bite, and after the excess, we'll be lucky to get £100 back... Which is probably less than next year's premium would go up by if we did claim!
Never made a claim though, so no idea how that process is - tempted to sack it off to be honest, we just had to pay £260 for the oldest to have emergency treatment for an infected bite, and after the excess, we'll be lucky to get £100 back... Which is probably less than next year's premium would go up by if we did claim!
Between me and my parents over the years we've had 8 dogs, 7 cats, 4 chickens and a horse. Horse aside (they require insuring ideally) none have been insured despite most having had some ailment or another at some point. Only one has had any major ailment that may have been cost effective via insurance (permanent meds and check ups for Addisons) however collectively I reckon we'd have been much worse off for having it for all of them.
Might be more effective over time to budget for saving the potential premium yourself as a what-if fund and hope it builds up to a decent amount prior to any potential serious costs.
Might be more effective over time to budget for saving the potential premium yourself as a what-if fund and hope it builds up to a decent amount prior to any potential serious costs.
Caporegime
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£100pm to insure our frenchie now!
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Yeah it ain’t cheap for the big stuff
Can relate to that as was paying £130 a month at the end for my Lab.
Caporegime
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Yeah I wouldn’t mind, but he’s only 5 and fit as a fiddle
That's a tough one, you just know it's only going to increase exponentially from now on in as well.
We're with pet plan, I think the costs have gone up from about 400 to 650 a year. We did have a 2 grand claim settled when he was poorly a bit over a year ago, so that might be why the cost has hiked a bit.
Frankly now knowing what vet fees are like, I'd never risk not having pet insurance for a dog. An illness or accident will easy run into a low-to-mid 4 figure number. And as any dog owner will know, you'd pay absolutely anything to make them better.
Hardly surprising considering the chronic health problems a lot of them face. Similar with our Doxie, known for IVDD which is a very expensive operation, so your premiums are naturally loaded.
Which is why pre the pet insurance boom that sort of injury would have almost certainly resulted in the animal being put to sleep. Several friends had rabbits and cats put to sleep with broken legs and one of our dogs went the same way (was already a teenager at the time so surgery would probably have been cruel anyway) Then along cam pet insurance which at first was cheap because vet bills were cheap but not because people want thousands of pounds worth of operations and life long medication covered it costs a fortune!
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Soldato
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- 27 Mar 2004
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i remember being asked to pay over £160 a month for my 13 year old lab, i canceled the insurance and put a complaint in about how the prices had gone up from £10 a month with no excess
heard nothing untill nearly a year later, when they sent a letter agreeing with me and a £300 cheque
that was with m&s
with my current dog im with many pets, hes 3 and paying about £30 a month atm
Yes someone at work paid £160 a month for a bulldog but ended up just cancelling as she paid 3.5k in conditions not covered.
I used a place where they train vet's in Yorkshire so eg full health check and jabs £15, stitches out was zero one time we went
I used a place where they train vet's in Yorkshire so eg full health check and jabs £15, stitches out was zero one time we went
Which insurance company?
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