Queen's insurance has paid out almost £6000 for 2 instances of liposarcoma. I realise one liposarcoma is rare enough, and two is unbelievable bad luck, but she has had two other cancers for which they have paid out too.
Que has had several small surgeries and hydrotherapy for which we've been paid out. The last reimbursement I had was for over £1400.
The others haven't had claims, but I know I have peace of mind about it in case they become ill. I wouldn't consider not insuring them.
i would deff insure, im with more than and i pay £10.39 a month for my boy
i found them to be better compared to a lot of other places but shop around tho as what is better for 1 person isnt always better for another
the last insurance company i was with for my dog and cat wanted to charge £14 for a 2nd cat, even tho i was only paying £10 for the 1st cat, both were same age and moggies, changd to more than and im now paying the same for 3 pets as i was with the old policy for 2 pets and getting more cover!
Considering that you may...or may not ever really use it, consider doing the following...
Do not take out a policy yet put the amount you would pay monthly into a Piggy Bank, money market account or ???
Do this month after month, year after year and soon you'll have a bundle saved up to cover your dogs Vets bill -IF- they arise.
Don't forget that if your dog develops a life long condition before you have any insurance, this will become an exemption and your dog will never be covered for any treatment of this condition. You may wonder what the chances are of the dog having a life long condition while still young but you only have to look around here to see how many pups are diagnosed with Hip Dysplasia or Elbow Dysplasia before they are 12 months old.
My Lab was diagnosed with ED at 14 months old, needing treatment costing £2000 and there is a chance she will need further treatment later on in life which could easily cost a lot more than that. Also it looks as if my 8 month old Poodle could have a Luxating Patella. If she does, this may require surgery which will could easily be £1k+. If I hadn't insured her I would be having a right old panic now, worrying about how on earth I would be able to pay this.....As it is I will only have to find the money for the excess.
Just want to add that if Baxter wasn't insured i wouldn't be able to realisticly afford the treatment he's had/to have for his HD and could have possibly be looking at making an awful desicion next year for my wonderful boy .
So thanks to insurance he gets a chance at a wonderful life which i am so grateful for as losing him at the age of 3 doesn't bear thinking about which without insurance would have happened
That's a fair enough decision if you have considered, as I said in my first post, that if you have £5000+ laying around that you could easily access should your dog need urgent surgery.
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Hmmm, now if I only had the self discipline to save money this way myself.
But this comment suggests to me that you may not have properly thought this through. If you are not good with saving money and you don't already have a big fat bank account that you can access if you need to, then that plan may not be the best idea.
Please, please, reconsider. As others have already said, if you dog needs an operation in just 6 months time you wouldn't have enough money in that account.
Would you not consider getting just a very basic insurance just for the first year or two?
It's fine not to have insurance (as per my post, I don't have it for dogs past 18 months), as long as you have another means of accessing large sums of cash if/when you need to!
Hi i,m new and just found your question, We have a 10yr old lab who is insured with pet plan since we got her. Meg has had multiple surgery to both back legs for ruptured cruciate ligaments with metal plates inserted then had to have them removed as she was allergic to the plates, she has skin allergies, and multiple fatty lumps removed. Pet plan have paid for everything without question all we paid is the excess, I,m sure we have cost them thousands of pounds over the years and will def be getting new pup insured
I would add my voice to those saying insure - but please do check what you are getting....Both of my dogs are insured with lifetime policies which means that the company will cover the cost of treatment for the dogs life subject to my annual limit, some policies cover per condition which means that when they have reached that limit on the condition that condition is no longer insured and you would have to fund the treatment yourself.
A lot of people choose the latter option and find it more than adequate but even that is a risk - I have a friend whose dog has a condition that is not insured - the medication alone costs over £100 per month and in addition there are regular vet consultations and blood tests - I think she calculated the overall cost at almost £200 per month every month and that will continue probably for the next 12 years or so (hopefully). When you consider that most "condition" policies have a limit of £5,000 or £7,000 on them a bill of £2,400 per year would not go very far....
My lab Neo has a lifetime policy - he has a lot of food allergies - that was only discovered after 4 and a hlaf years - in the intervening period for a lot of the time I was charged £200/300 per month for useless treatment and tests. My insurers contribute to the cost of Neo's prescription diet which costs me around £70+ each month - admittedly I can reduce that to about £50/60 a month by buying on the internet which I would do if he were not insured but it is still a huge financial commitment.
This year alone I claimed £3,000 - he had a rough year with anal gland infections, a debilitating illness and a complicated anal gland removal...
So for me there is no question - insure, you may not need it but boy when you do - are you glad you have it!!!
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