Pet Insurance and the ever increasing costs
- Thread starter Vanquish-Storm
- Start date
Thing with insurance. Almost every time I wouldn't pay it. I wouldn't even have it for the car if it was a choice
Only time I'd pay insurance by choice is for house and for pets
Even if most times you'd be covered (with insurance the house always wins) with a pet you could get unlucky and have 1000 bill after 1000 bill.
I'd hate to have to decided "time to put him down as it doesn't look like he's going to make it.. But there's a tiny chance he might if I spend. 5k".
At least with insurance, don't have to even think about it.
Only time I'd pay insurance by choice is for house and for pets
Even if most times you'd be covered (with insurance the house always wins) with a pet you could get unlucky and have 1000 bill after 1000 bill.
I'd hate to have to decided "time to put him down as it doesn't look like he's going to make it.. But there's a tiny chance he might if I spend. 5k".
At least with insurance, don't have to even think about it.
Soldato
That's the only reason I have pet insurance, I don't want to find myself having to make that call
Barney's 12 now and his insurance is £110pm
Thats the thing about insurance, you never know when you'll need it.
That's the only reason I have pet insurance, I don't want to find myself having to make that call
Barney's 12 now and his insurance is £110pm
I thought animals were supposed to be cheaper than kids!
The thing with insurance is, you never know when you may need it.
A tire blows out and you crash, seriously injuring someone or damaging property. - An event completely beyond your control results in your being required to pay (up to) millions in damages.
How deep are your pockets?
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Man of Honour
- Joined
- 21 Nov 2004
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- 46,243
I think there’s a balance to find. There’s no point insuring everything, but equally some more expensive items like House, car it is worthwhile since the risk is too high and the relative payment low.
I thought animals were supposed to be cheaper than kids!
They aren’t, since their whole lifespan is 10-20 years you’re also more likely to see things go wrong and there’s no NHS for them either.
As with any insurance you may well never need it, but with rapidly rising vet bills it’s good peace of mind imo.
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Soldato
I thought animals were supposed to be cheaper than kids!
He's worth it, he's the only one excited to see me
He's worth it, he's the only one excited to see me
Ha yes. It's super cute when koda gives a little howl when get home. It's only time he's noisy!
Koda has needed it already! And he's only 2!
Just shows how important it is we try and keep nhs.
I’ll let you know after their check up it’s 50/50
Cheapest insurance I could get for my 10 year old Lab was £74 a month.... Decided to cancel and not renew anywhere.
Yes it's a risk being "uninsured" but over 10 years old there is also a 20% excess on top of the £150 standard excess to be paid in the even of a claim.
So if it was a £1000 bill, I would be paying £350 (20% of £1k plus £150 excess) on top of the £900 a year premiums -
Paid out around £4500/5000 over last 10 years for pet insurance - never made a single claim.
Yes it's a risk being "uninsured" but over 10 years old there is also a 20% excess on top of the £150 standard excess to be paid in the even of a claim.
So if it was a £1000 bill, I would be paying £350 (20% of £1k plus £150 excess) on top of the £900 a year premiums -
Paid out around £4500/5000 over last 10 years for pet insurance - never made a single claim.
Caporegime
- Joined
- 30 Jul 2013
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- 29,488
I didn't make a claim for at least 7 years for our 10 ½ year old lab, then had two bills of £1000+ in the space of a few months.
Plus old dogs are more susceptible to injuries like cruciate ligament and that now costs £4000+ to sort.
It's a risk I'm not willing to take.
Plus old dogs are more susceptible to injuries like cruciate ligament and that now costs £4000+ to sort.
It's a risk I'm not willing to take.
But then again, insurance that someone was just taking out also wouldn't cover a pre-existing condition would it? Usually can't claim for x amount of days as well.
I just put an amount a month away for rainy day, be that to cover an unexpected pet issue or a cat problem.
Zero money lost.
Its fine if you put enough away and the problem comes later in the pets life, but not always the case.
So are 2 year old little terrors!!
Soldato
We always used a vet training place supervised obviously by very well trained vets, bowel op was under £50 iirc ,stopped posting link due to lack of interest,
Permabanned
£4k is plainly a total rip off, the op usually takes under an hour by a decent vet. Hell, a human cruciate knee ligament reconstruction op is about 1.5 hours hours and usually under £5k done privately.
This is private healthcare, you cant expect it to be significantly cheaper than human work if you want quality.