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What sort of dog insurance is best?

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What sort of dog insurance is best?

Postby artis56 » Thu Jan 17, 2013 10:38 am

Just wondering which kind of dog insurance is best and who you to get it with
Posts: 522
Joined: Thu Mar 31, 2011 11:19 am

What sort of dog insurance is best?

Postby helaku » Thu Jan 17, 2013 10:46 am

A pet insurance policy is one way to have money in the bank so to speak, to call all in the event that a dog has an expensive ongoing but treatable medical problem or requires treatment for cancer, peritonitis, total hip replacement or one of the cutting edge and costly procedures for example an ITAP, but equally an owner could finance treatment with a credit card, loan or save money.

The disadvantage of using a credit card or loan, even interest free, is that they are both repayable debts that an owner would need to be in a financial position to service from income and money saved may be insufficient if the cost of veterinary fees is £1000 upwards.

What I want in an insurance policy includes:

Cover for life, which means on renewal you can claim for the same medical problem.
A reasonable deductible, the amount an owner pays for each condition.
Maximum benefit on the policy that will cover conditions known to affect the breed I own (£12,000 on the Petplan cover for life policy I purchased with £100 excess)
I can comfortably afford the premium.
Claims settled quickly without and money sent to the policy holder.
If it is possible to claim direct, which means the insurance company pays the vet directly so the policy holder does not have to find the money upfront.

I read the small print carefully for what is excluded and what may void a claim or the policy if the insurance company is not informed.

In December 2011 my b*tch was diagnosed with septic peritonitis, which is a life threatening medical problem and expensive to treat. The total cost in veterinary fees for two weeks of treatment first at my local veterinary practice and then a referral hospital for intensive specialist care was almost £14,000.

Because the claim was over £5,000 Petplan requested an itemised bill from the referral hospital which meant a delay or three or so working days in addition to standard time taken to settle a claim, and once they had that information, it was processed quickly and without a quibble.

A second example, a four year old dog was diagnosed with aggressive cutaneous melanoma. Referred to the AHT for a specialist opinion from an oncologist when in when the fees start mounting up, had surgery (cancer had spread to the lymph nodes) and four sessions of chemotherapy (no side effects, so calm he required no sedation while administered by drip and bounced back into the car.

After three years of checkups following the end of his chemotherapy the oncologist said he was cured. The cost of veterinary fees at the AHT and local vet ten years ago was in excess of £10,000. Throughout the dog's treatment all claims were settled promptly by Petplan and without a fuss.

I suggest you shop compare polices online, contact for further information if you have any questions (for example I contacted one insurance company and was advised that if a dog was diagnosed with cancers, all types of cancer would be excluded when the policy was renewed) and decide which, if any you want to purchase based on your research.
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Joined: Thu Mar 31, 2011 12:29 pm

What sort of dog insurance is best?

Postby cochlain » Thu Jan 17, 2013 10:48 am

Just make sure you get a LIFE policy and not an ANNUAL one.

The difference is that if a dog has a condition that needs treatment past one year then the annual will not cover and the life one will.

ie... it doesn't have to be something major, but say your dog had an ear infection and the following year got another one, well it wouldn't be covered on the annual policy. Any condition they have would be the same such as a digestive problem, tooth problem etc. On a life policy it will be covered again for each year.
Posts: 491
Joined: Thu Mar 31, 2011 12:14 pm

What sort of dog insurance is best?

Postby arndell76 » Thu Jan 17, 2013 10:59 am

There is no best insurance its what you can afford and ,what cover you want .
My pets are insured with pet plan its not cheap but offered all the cover i was looking for .
What you need to do is go to a comparison website put in what your looking for and it should come up with quotes and insurance company's .
Posts: 516
Joined: Thu Mar 31, 2011 7:08 pm

What sort of dog insurance is best?

Postby akavya27 » Thu Jan 17, 2013 11:01 am

Depends what dog you have, how much money you are willing to spend on it and where you live.
E.g. If you live near a busy road and your dog doesn't really behave very well (for example, not coming back when called), you may want dog insurance that will pay high vets fees.
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Joined: Thu Mar 31, 2011 9:43 pm

What sort of dog insurance is best?

Postby jordan60 » Thu Jan 17, 2013 11:08 am

This website lets you compare several different pet insurance companies side by side.

Posts: 182
Joined: Tue Sep 18, 2012 1:23 pm

What sort of dog insurance is best?

Postby rioghbhardan » Thu Jan 17, 2013 11:12 am

pet (or dog) insurance is a personall thing depending money and Choice but realy for me the more insurance you pay the less excess you pay so realy its all about swings and roundabouts
Posts: 435
Joined: Fri Apr 01, 2011 7:25 pm

What sort of dog insurance is best?

Postby kim43 » Thu Jan 17, 2013 11:21 am

compare companies and take the cheapest or affordable one.Good Luck.
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Joined: Fri Apr 01, 2011 6:15 pm

What sort of dog insurance is best?

Postby jung-hwa » Thu Jan 17, 2013 11:26 am

compare companies and take the cheapest or affordable one.Good Luck.
Compare prices and which one gives you the best deals and offers.

I would personally say direct line or pet plan
Posts: 174
Joined: Tue Sep 18, 2012 3:59 pm

What sort of dog insurance is best?

Postby naaman » Thu Jan 17, 2013 11:30 am

get a x bred dog and you will not need insurance put the money in a pot
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Joined: Tue Oct 30, 2012 3:37 am


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