Posted: Sun Jun 27, 2010 1:01 pm Post subject: Is £4000 enough?
I have been doing a few quotes as i have cancelled my renewal policy with petplan as it can out at over £41 for a 2 year old dog with no claims! I have done another quote with them online and am looking at the middle cover with a limit of £4000 per year. Would this be enough? It has come out at £25 per month or just over £35 for the £12,000 cover but money is ight as i am just buying my first house!
I have also looked at Greenbee pet insurance who are to do with John Lewis and they seemed pretty good and reasonable as there cover is £15.38 per month and cover up to £7000 per year and can be paid direct to the vet. Has anyone used Greenbee as they do seem more competitive than petplan but worried as i have never heard of them.
With Pascos health issues.... this year (since December) we are easily over £4000 for his bowel problem alone. The head tremor he has developed - well that would have taken it over the edge if we had chosen to continue investigation at the Vet School - it would have been £1500 just for the MRI.
Vet bills and drugs are exspensive and have this habit of just accumulating very quickly!
We are forever grateful we chose a £7000 per annum limit....
We are with M & S they are £17 a month (at the moment)
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As Fee says you need at least £7000 cover per condition and for the life of that condition (or the dog, depending how they word it), so that when you renew the policy should Ruby unfortunately contact a lifelong condition, she`ll be covered for the rest of her life
Covers your pet for up to £7,000 per policy year for vet's fees, with no limit on the number of claims
Helps recover your pet if it's lost or stolen with up to £1,000 advertising costs & up to £1,000 for a reward fund
Will support you with third party liability up to £2 million
Where possible, we will pay the vet directly so you are not out of pocket
I copied and pasted this from their quote so not sure if its for life or just for the year? What do you think by the wording of it?
We're with M&S for Rocky, they paid out £7,000 for his x-rays/MRI/hydro/countless other tests and finally one hip replacement direct to the vets.
We have used Greenbee for the others, but not made any claims and this year the premiums have gone up massively so we're now with Axa, who are very similar cover but about £80 cheaper (annually).
Thanks for your replies. Do Marks and spencer pay direct to the vet? Are they a good insurance company?
I think most companys will deal directly with your vet - thats not really the issue! Its wether your vet will deal with the insurance company that is more to the point!
Our vets didn't say they would deal with the insurance company untill we were over £2000 in to the bills!!! We just kept paying out (thinking it would just be a short problem!) when we did claim M & S payed out (£2700) in 4 days!!!!
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I have just done a quote for Marks and Spencer and it came out at `£19.92 per month which i think is good. Can i just check is the premier cover up to £7000 a lifetime policy?
Posted: Sun Jun 27, 2010 2:04 pm Post subject: Re: Is £4000 enough?
sarah1979 wrote:
I have been doing a few quotes as i have cancelled my renewal policy with petplan as it can out at over £41 for a 2 year old dog with no claims! I have done another quote with them online and am looking at the middle cover with a limit of £4000 per year. Would this be enough? It has come out at £25 per month or just over £35 for the £12,000 cover but money is ight as i am just buying my first house!
I have also looked at Greenbee pet insurance who are to do with John Lewis and they seemed pretty good and reasonable as there cover is £15.38 per month and cover up to £7000 per year and can be paid direct to the vet. Has anyone used Greenbee as they do seem more competitive than petplan but worried as i have never heard of them.
Can anyone advise me please?
I think it is important to buy a lifetime policy for a labrador. I asked my vet and he said definitely get a lifetime because he frequently comes across people whose dogs get to 7 or 8 and they then find that they can't claim any more for their expensive conditions.
I had a lifetime policy with Pet Protect for my labrador, Sable, who was PTS at the age of 14 years and 7 months in April (we miss her hugely). The premiums do GO UP as the dogs age and acquire medical conditions.
Sable had Cushings disease (medication costing £85 a month and blood tests every two months costing c. £200). Her premiums at 14 1/2 with her Cushings were £58 a month with £150 excess per condition per year and 30% vets' fees contribution per bill.
During her life she had mammary tumours three times (she wasn't spayed until she was and benign lumps on her eyelid, lip and gum that had to be removed.
I was glad that we had a lifetime policy, even though it does become more expensive as the dog ages (but all policies do). There are many expensive things that can and do happen to labradors.
I have a new 13 week old labrador puppy and like you I have done a lot of research into different policies. I strongly recommend the defaqto website www.defaqto.com and its guide to pet insurance. It explains the difference between per condition with a time limit, per condition, and lifetime policies. The only 5 star policies are the lifetime ones. You pay for what you get.
I considered the Pet Protect, the Kennel Club and the Petplan Lifetime policies. They are all more expensive than Greenbee so I shall go for Greenbee (despite its name!)
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and benign lumps on her eyelid, lip and gum that had to be removed.
