Sarah I have just looked at the PDSA website and I am fairly certain, although they seem to ahve worked hard to hide it, that the cover is per condition - so £5,000 for HD, £5,000 for accident etc not the cover for life which would be £5,000 per year whereas I think the pet plan is cover for life....
I don't think they've worked hard to hide the fact that it's per condition It's there for you to read in the FAQ.
With the PDSA one (assuming you get the top level) you would be covered for £5,000 PER CONDITION that means if your dog needs ops for HD they would cover up to £5,000 whether that is used up over 1 year or 2 years or more (assuming you keep the policy with them). So op in the first year is £1,000 you've got £4,000 left in your "pot" for HD & other hip related problems. If in the same year your dog eats something it shouldn't and you get a £5,000 bill for this (I know somebody whose bill was more than this for part of a kong they ate) they would cover that too. If they then needed an op for something else you get another £5,000 pot to play with. So for every condition you get a pot of budget so to speak. Once that pot is used for that condition you get no more.
With the Pet Plan Budget Plan (I'm using this one as a comparision) you get £4,000 per year limit full stop to cover all your vet fees. So if you get that big bill because your dog has eaten something it shouldn't have and it uses up all your £4,000 you have no money left in the pot that year for treatment of anything else. But your £4,000 limit does start again the next year.
If you get the Pet Plan Unlimited it covers every thing every year - hence the reason why it is so much more expensive.
i just got a quote from the PDSA and they are charging £17 per month and cover up to £5000 per year, where as pet plan are £33ish per month and have unlimited cover. Ruby is nearly 7 months, is it worth going with the PDSA as she is young and may not need a high cover or would you just go for pet plan? Really dont know.
The thing to bear in mind is that your dog won't always be young - and if you have to claim on your policy for anything, that condition (and possibly related ones) will then be excluded from a new policy, should you move to a different company/policy later on. In that respect I feel it's best to "plan ahead" and take out a policy you feel you will want to continue with for the dog's life where possible. Although I would also say if cost comes into it, as it does for most of us, then it's better to have any policy than none at all
Sorry another question about petplan! I am reading through all the information and it says after 10 years of age i would have to pay 20% of cost. Is this normal for most insurers? Also because of the unlimited cover do you think this is a minor detail? Sorry for all the questions!
I'm with PDSA. Thought the cover and excesses were fair. Haven't had to use it yet (thank heavens) but as he gets older or his circumstances change, I will as always look around for the best I can afford.
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