Hi,I agree with Julia. Lottie has Sainsburys cover (£19 per month) which is £7500 per condition. The most important thing for me was 'life cover'. Some policies are an amount per condition but it only lasts the year.
Lottie has OCD and I am so glad we have this cover as it's obviously a lifetime condition.
My excess is £75
We recently claimed for GA,X rays,Metacam and Glycoflex and received a cheque in 10 days and they just deducted the excess.
I think Petplan may be one of the only companies who will deal direct with the vet so I use my trusty credit card and pay back.(Something else to think about.If you have a massive bill for something and don't have the money,Petplan would be a good option but are more expensive)
I may be wrong in thinking that they are the only ones who do this.I'm sure someone will correct me if I am!
I agree that it is very confusing.My friend with 2 labs,who have had lots of problems,recommended Sainsburys to me. My vet rates them too.
Maybe someone can answer my question then that i've written to Sainsbury's asking for in writing 3 times now and keep getting ignored.
Do i HAVE to get Berry vaccinated yearly to not be in breach of my policy? I personally think these general vaccinations are a waste of time and to con us out of more money on the vet's behaf but i dont want to to not have it done then need to claim and Sainsburys turn around and say im not covered because she hasnt been vaccinated.
I'm on the same as you guys, £7,000 per claim, £75 excess. I was all for praising Sainsbury's before this, their site says they reply in 2 working days....
I'm with Direct Line who provide £6000 per condition over the lifetime of a dog with a £80 excess. The £6k isn't an awful lot if you start counting up xrays, scans and operations but overall I am happy with them.
My vet deals directly with Direct Line so I don't have to pay anything until the claim is settled and they paid out £577 of a £657 bill for Coco's pyometra spay (full amount minus excess).
There are two things to be aware of - some companies have maximum amounts payable for such as overnight hosiptalisation or tests (£x per night/test) which may not cover all your costs if you live in a very expensive area; and be prepared to stick with one company for the life of your dog because any record of a previous problem on any vet's computer (even if only discussed as a minor concern and not treated) will then become a pre-existing condition and may be excluded from any new policies. It is important to get it right first time because unforseen events may mean that you don't have any choice in 12 months time.
There is usually a 2 week period at the start of a policy where illness is not covered.
Posted: Sat Feb 20, 2010 10:51 am Post subject: PetPlan Insurance
Hi Stuart,
I have always insured with Petplan. I have never had a particular problem with them but you do need to be aware of a few general insurance points that I have discovered over the years. Apart from Petplan I couldn't find an insurance company that would cover me when working or training my dogs. Mainly because accident insurance appears often to only be covered when the dog is on the lead and obviously when working and training they are off the lead. I contacted Petplan and was put through to their working department which they actually call their "show dog" department. I was then able to get cover for my dogs whilst working, training, walking off the lead. The premium is slightly higher but it also means I can change the level of cover when they become worth more rather than just the puppy price. i.e. when one of my dogs wins a trial I send a photocopy of the certificate to Petplan and give them an indication of the current value of the dog. Althought this has no bearing on the level of cover for vets bills it does mean that in the awful event of one of my dogs dying due to an accident or being stolen Petplan would pay out the higher level of cover set for that particular dog. Also my vets have never had any problem with claims for any of my dogs covered with Petplan. I just sign the form at the vets and they make the claim and apart from the excess there is nothing else to pay. However, if you start to have quite a few dogs a lot of people self insure. I am not actually recommending this but it is something to take into consideration. For example, to insure two of my dogs with Petplan on the working side it was costing £94 per month last year. This figure tends to go up at each renewal. If that £94 were put into a savings account each month it would only take one year to equate to £1,100 approx. I now have quite a few working labs and am thinking about doing this because with the number of dogs I have it would equate to nearly £4,000 p.a. saved. Obviously if you have a dog with an ongoing medical problem such as ED this wouldn't be such a good idea. Anyway I hope you find the right insurance company for you. Good luck
Sam
oh believe me, from bitter experience, go for life cover, i have lived to regret not getting life cover
sheila and zak
Zak is gorgeous!!
I am new to these forums but dog insurance is something I have had a lot of trouble with in the past. In my experience insurance companies are happy to hand you an umbrella when its not raining but take it away when the monsoons come.
What I have learnt over the years is not to go for the absolute cheapest pet insurance policy. Read the terms and conditions carefully and go for one that suits you and your pets. I have insured my two with a specialist company called Healthy Pets, who offer lifelong dog insurance with £7500 per claim limit and a £70 excess.
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. Bit out of our price range I guess it must be good for that price.
