Pet Insurance - How much do you all pay?

[BigRed]

If I couldn't afford the cost of having it put down I wouldn't have a pet.

[Sue B]

My cocker spaniel died last year I had had him insured since a pup, started out about £8 per month and by the time he went (aged 14) it had gone to £23 per month.

He needed medical treatment twice during his life, both times as a result of an a minor accident on account of him being a bonehead. Couple of hundred pounds each. The premiums didn't go up by much after each claim.

However, i had the 'cover for life' for all conditions too, what i hadn't realised is that the % of the bill the insurance would pay decreased as he got older, so when we got the final bill the insurance only paid out 60% of the cost after I had paid the excess. I realised this was what had made his insurance so cheap. If i had bothered to check properly i probably wouldn't have bothered renewing it.

It did however come with life insurance, which covered his 'private, individual' cremation costs and very fancy urn

[quackhandle]

Pet Insurance is a complete con IMHO. I've been online and played around with same details but diff breeds. Mine (Bull Terrier) goes up by 150 notes, and when trying to get a payout they really try all the stops from doing so.

I normally have money set aside. We lost our first bully to PKD and vet bills were around £800, however I would have paid more in yearly insurance costs. The vets seems to be wary of trying it on with me when I tell them I don't have pet insurance.

I read an article last year from a former vet who said most vets are in collusion with pet insurance companies as they can basically charge what they like, emotional blackmail is used heavily. (One vet I went to had on tv loop advert were actors crying as they lost "our dog, Benji" to lungworm! WTF!)

They don't give a crap about the interbreeding as well it makes them more money. Eg female Old English bull dogs can't whelp normally so they need a cesarean - cue the vet recommending this with his large bill coming afterwards.

Vets are like dentists - customer/pet care comes hand in hand with they are a business as well and most are very successful.

</rantover>

qh

[northernladyuk]

Only insure for catastrophic loss.

[jonnieboy]

Just over £500 for a 2 year-old German Shepherd.

For me, it's not just about the medical expenses but the third-party coverage in case he should injure someone or cause a road accident.

[d000hg]

You shouldn't fear brexiters, we are all loveable softies really.

Poor old Phil. He can't even spell his name right.

[northernladyuk]

Poor old Phil. He can't even spell his name right.

He looks like he's got a good bit of weight on him as well.