jackiestone  Offline
Mum to Archie
Joined: Feb 20, 2007
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Posts: 1062
Posts Left: 0
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3979 LabPounds
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No.of Labs: 1
Lab Names: archie
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Location: bournemouth
Gender: 
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 Posted: Tue Aug 07, 2007 8:26 am Post subject: |
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i know what you are saying,what if you never use it?
However,Archie is two and we have just added up that we have had vet fees totalling £2100.00 half for his inflammatory bowel disease and half for his skin allergy which can be severe-sores on his body and severe itching.
We are currently using a new drug PHYTOPICA which is to replace a steroid he takes for both conditions it is £70 pounds a month,on top of that his antihistimines are £15 pounds a month.We wish that we had continued the kennel club insurance and several friends have upped theirs to £25 a month as there is no limit to claims.
We are very concerned that in 5 years time our insurance will run out and we will have to find a hundred pounds a month ourselves,which of course i will do anything for Archie.
Many people here have spent thousands on hip problems and surgery costing £7000 or more,i think it is the chance you take.We are with sainsburys and they pay £6000 per condition for £13.00 a month,when i started that insurance it was £10 pounds a month.
Hope it all works out for you
Jackie and Archie
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BushYakker  Offline
lead trained
Joined: Sep 15, 2006
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Posts: 4533
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38420 LabPounds
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No.of Labs: 4
Lab Names: Perro, Harry, Hollie & Bailey
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Location: Scarborough
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| Posted: Tue Aug 07, 2007 11:05 am Post subject: |
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| kaladancer wrote: | | ps on another note - i am really lucky as both my own vet and the referral place were happy to be paid direct by the insurance company - and i have to pay at the end anything still owing (i.e. excess) - but talking to others some vets insist on being paid at the time - and then the owner has to wait to claim the money back ? what do your vets do?? |
Unfortunately, it depends on the vet.
My vet ONLY deals with Pet Plan direct (I'm with Direct Line) but my vet let the bill stand until the insurers paid out.
The specialist we used doesn't deal with ANY insurer direct.
It's one of those questions that should be asked from the outset of owning and insuring a dog but usually isn't.
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Bob and the Kiddies
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Kimbley Offline
Yorkies Play Thing
Joined: Apr 23, 2006
Age: -1984
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Posts: 2727
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13688 LabPounds
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No.of Labs: 2
Lab Names: Yorkie, Busby - Golden Retrievers: Rocky, Chief
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Location: Manchester
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| Posted: Tue Aug 07, 2007 7:20 pm Post subject: |
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When we initially took out insurance it was with a "probably not worth it but better safe than sorry attitude". Two years on with Marks and Spencers, I now have 3 dogs and a cat insured with them.. The amount they've paid out for one of my dogs is a hell of a lot more than I've paid for all insurance policies put together!!
My GR has spent £3,000 on his policy (this year!) already for x-rays, tests, and hydrotherapy and M&S have confirmed they'll pay out for his hip replacement in a few weeks time. I think we'd have had to make some VERY difficult decisions if it hadn't been for his insurance cover.
They also deal with our vets directly, which is a huge plus point for me!!
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