Reply to: Pet Insurance - How much do you all pay?

[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.

[d000hg]

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

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

[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.

[northernladyuk]

Only insure for catastrophic loss.

[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

[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

[BigRed]

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

[Lambert Simnel]

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.

[northernladyuk]

Pet Insurance for tame squirrels

[WTFH]

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.

[darmstadt]

Nothing, don't have a pet. Sorted

[TheFaQQer]

What do those people on the forum who have real pets(ie. Dogs) actually pay?

£366

[DimPrawn]

Via Muslims.

And a fat blokes dog.

[northernladyuk]

All threads lead to Brexit.

Via Muslims.

[DimPrawn]

Gordon Bennett - does a thread on pet insurance really have to get onto Brexit? Some of you people need counselling.

All threads lead to Brexit.