Best Lifetime Insurance For Puppy - Labradors Forums
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Old 20-07-2019, 01:38 PM   #1 (permalink)
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Default Best Lifetime Insurance For Puppy

Hi, we have an 8 week old Labrador puppy, can anyone recommend the best lifetime cover insurance?

We previously had a Labrador who we had insured with Asda but the policy we had was quite restrictive as in they wouldn't pay out for the same condition twice so this time are looking for a lifetime policy so he will be covered for everything through his entire life.

Has anyone used Asda for a lifetime policy? any help on this issue would be most appreciated. Thanks
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Old 20-07-2019, 03:05 PM   #2 (permalink)
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I'm not the best one to talk about this. I've never insured. I put equivalent to the premium into a bank account and draw from that, and I'm well in profit. Remember, not only must premiums cover the vet costs but also pay the insurance company staff wages, building overheads, shareholders dividends AND show a profit at the end of the year. So most people will pay far more than they will ever get back.
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Old 20-07-2019, 03:41 PM   #3 (permalink)
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Quote:
Originally Posted by JohnW View Post
I'm not the best one to talk about this. I've never insured. I put equivalent to the premium into a bank account and draw from that, and I'm well in profit. Remember, not only must premiums cover the vet costs but also pay the insurance company staff wages, building overheads, shareholders dividends AND show a profit at the end of the year. So most people will pay far more than they will ever get back.
Yes, see what you mean, the only risk with doing it that way is if in theory the dog needed some major treatment early on them we may not have anywhere near enough saved then you could be looking at having to take out a loan or something to cover the cost.
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Old 20-07-2019, 04:05 PM   #4 (permalink)
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I’m taking my chances and risking it with Ruby and doing the same as John. If she needed major treatment I’d have to take a loan but it’s still a better option than all of the ridiculous excesses you have to pay on the insurances. A lot of them are the first 75 plus up to 25% anyway so I’m not doing insurance
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Old 20-07-2019, 07:08 PM   #5 (permalink)
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Nobody can tell, or even advise you. But if you look at me, had dogs, and usually 2 at a time, since 1955, just imagine how much I would have paid out in that time. Just see what you will pay this year. Then think it will have gone up by next year, then more still the following year. Then multiply it by 13 years, (the average life of a Labrador.) It's a tread mill, and once on the tread mill you are unlikely to EVER build up a float.
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Old 20-07-2019, 08:46 PM   #6 (permalink)
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Hi,

For me, insurance has been a godsend. I didn't have my first dog insured but decided to do so with Jack and I'm so glad I did. Jack started having problems from the age of 4 and he is now nearly 13. I have probably claimed well in excess of 20k over the years and although my premium is now very expensive, it is still less than what I claim every year.

I have been with Argos the whole time so I can't comment on other companies but for me, they have been brilliant (I don't work for them, this is just my experience!). I've only had a handful of queries about my claims over the years and they were just to clarify some information. They have dealt with my claims with no problems and this has made some difficult times easier to deal with, knowing the financial side of the problem has been taken care of.

I appreciate it is a personal choice to insure your pet, but for me, it has been the best decision I made (apart from getting Jack of course!).
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Old 20-07-2019, 09:29 PM   #7 (permalink)
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Just for information Royal & Sun Alliance underwrite Argos insurance
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Old 21-07-2019, 08:45 PM   #8 (permalink)
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I'm unfortunately in the position of having an uninsured chronically sick dog. With his special hydrolized food and numerous meds he's costing me about 175 per month. Add on vet consultations, blood tests, extra meds when he has a flare, the cost can rocket to well over 300 per month. He was insured with AXA, a huge well known company, until a few years back they decided to ditch pet insurance altogether leaving their customer's sick dogs uninsurable. :-(

My other younger dog is insured with a lifetime policy through Pet Protect. It's cheaper than most as I have to pay a percentage and they will only pay out 750 towards an MRI or CT, but, at the moment, I can't risk not having it.

To be honest insurance is a gamble, if you have a chronically sick dog or a bad injury/accident you may gain, if your dog is fit and healthy it's entire life you lose out big time...And as my case proves, you can't even guarantee that the insurance company will stay in business.
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Old 21-07-2019, 08:59 PM   #9 (permalink)
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Just to answer the original question..

PetPlan is probably the best although far from the cheapest. Saying that they don't put their premiums up year on year as much as many others do.
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Old 22-07-2019, 12:05 AM   #10 (permalink)
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Quote:
Originally Posted by mandyb View Post
Just to answer the original question..

PetPlan is probably the best although far from the cheapest. Saying that they don't put their premiums up year on year as much as many others do.
Ok thanks for that, does anyone have experience in using Asda for a lifetime comprehensive policy?
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