I never insured Henry because he was nearly 5 when I got him (rescued) and the premiums were quite high and since I'd not had a dog since I was a child I thought what could go wrong? 2 years ago he ruptured one of his cruciate ligaments which cost me nearly £1,400 including aftercare. Last year he badly sliced one of the pads on his front paw and had to have 2 operations on it which put me back nearly £700. I do wish now that I had insured him......
Mine are insured, even our little oldie, adopted aged 10+ was insured. Having read of the really high vet bills others have faced I want to make sure I am covered if need be.
Lillie-RheasMummy wrote:
All our doggies have been insured, I wouldn't even consider having a dog without the insurance, not because of what you can or cannot claim if needed to but for the £2million liability on each of them if they cause an accident, that is the one and only reason ours have been insured for. We live on a very busy main road in the countryside and the traffic is fast, if they caused someone's death we would be liable
I agree. Even if we suddenly had pots of money and didn't have to worry ever again about vet bills, I would still make sure we had the liability insurance.
I understand some house insurance policies will cover this but it's not something I've looked into as we've always had it included in the pet insurance - and I'm not sure how much I'd rely on a house insurance policy for pet liability cover
Both mine are insured - unless I couldnt afford it then I would always insure. I am a safety girl at heart and I would hate to have to think about money in times of stress - the thought of having my girls suffer because of money doesnt bear thinking about
All our doggies have been insured, I wouldn't even consider having a dog without the insurance, not because of what you can or cannot claim if needed to but for the £2million liability on each of them if they cause an accident, that is the one and only reason ours have been insured for. We live on a very busy main road in the countryside and the traffic is fast, if they caused someone's death we would be liable
Although, Bracken was diagnosed with diabetes her treatment was £2000 a year until she died, Lils was £3500 18 months ago, and Bons £1600 18 months ago, so in one month alone we claimed over £5000 back excluding the excesses.
So for us its a must, wouldn't be without it, you never know whats around the corner
I would check your home insurance(contents/building) as public liability is included in that, and it should cover any mishap caused by animals. If not it is possible to have it written in.
Den,
We never had insurance at all for any of our dogs (since my early childhood - so going back several decades here!). And fortunately this was a wise decision.
However, it has been a wise decision to have our lab insured. And whether I will stop insuring him when he's older remains to be seen. Prices for anything surgical and for ongoing conditions soon add up. But insurance premiums can be high too. So I'll need to weigh it up carefully.
Sue
Last edited by flyaway on Mon Apr 20, 2009 6:08 pm; edited 1 time in total
I've previously worked for an insurance company (AXA) and now a broker, so I've seen the huge claims that woof ownership can generate.
One memorable one was for £300,000 when a woof ran out in front of a lorry which swerved to avoid it and ploughed into a shop full of customers.
The woof was totally unharmed but the damage was claimed off the owner who thankfully had insurance with a £50 excess
I only pay £15 p/m for my two on one policy. I'd rather pay that 'just in case' of the unthinkable.
Yes with Axa, it's about £15pm. I'd much rather find that out of the housekeeping every month than explain to OH that I've got a 2/3k vet bill to pay .
I have just worked out that I pay £135 a month in insurance for my 3 cats and 3 dogs, its a heck of a lot of money.
However, Jack has ED and Maia has HD, Jack wasn't diagnosed until last year with ED and he is now 7, we thought he had just a touch of arthritis, but its quite serious now. I have to pay £80 excess with Direct line and they are on the top cover just in case.
I have just added Tara, as a Large Breed the premium is nearly twice that of a Labrador, which is ridiculous as they have half the life span and fewer heriditary problems, which brings my DOG insurance to £80 for the 3.
My Cats are with Petplan, I stopped the DD for a month while I was out of work, but sods law, Pickle had a serious injury and luckily enough with a little bluffing I reinstated it. His bill was £400, but as an elderly cat I had to pay £100 excess and 20% of the bill, but it still meant I got some money back.
SO I am continuing with the insurance as once your dogs/cats become elderly, thats when in my experience things start to go wrong medically for them.
____________ Natalie x
LAB LINK RESCUE Co ordinator and Forum Administrator for my sins
Jack, Molly & Maia, watched over by Tara Banana from the Bridge
i pay £31 per month for maisie and ollie just aswell really with ollie as he had nearly £15,000 pounds worth of treatment in 18 months about £12,000 of that was in his first year and the premium only went up 82p per month when i renewed
Stanley is my 5th dog, but the only one I've had insurance for. The policy is expensive and years ago insurance didn't seem to matter or be something I even thought about, but I feel I should have it with Stanley, just in case.
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just aswell really with ollie as he had nearly £15,000 pounds worth of treatment in 18 months 
