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About £400 a year for a 7 year old spaniel.
Inbreds (sorry, "pedigrees") tend to cost more due to the way they are bred, meaning that genetic defects tend to be more common.
You can save money by having the dog spayed/neutered, in males it tends to make them less aggressive, in females it reduces risks of complication from pregnancies, and it reduces the risk of more unloved dogs in the country.
We used to be with Tesco pet insurance, who were really good when she had to have an operation. Not sure who the current insurer is (might be John Lewis) - dog and house insurance are pink jobs.
So we've had a dog for two years, pedigree flat coat retreiver cost about 900 quid.
Insurance was 580 quid a year and has gone up to 685 quid per year even though we've never claimed.
It has something called 'Covered 4 Life' and seems to have everything, but the excess is 250 quid, so basically whenever the dog goes to the vets for something small, we've landed up having to pay, So that's 1200 quid down the swanny so far and they want almost 700 for the next year.
This seems rather excessive for a pet which if it cost 10,000's to have put right I'd rather chuck it in the canal.
What do those people on the forum who have real pets(ie. Dogs) actually pay?
I have a flattie as well - beautiful animals. No pet insurance though, I just pay what's required as and when. Then again, I only take out insurance for those items which I'm legally required to (e.g. car insurance) or where I couldn't bear the cost if the worst happened (such as house insurance). For everything else - phones, pets, washing machines, TVs etc., I bear the risk myself.
Downside to flatties is they do appear to have a high propensity to cancer - lost our first one this way.
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