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Discussion Starter #1
How Do!

Just wondering which is the best insurance for our new lab puppy called
Molly.

I know that we need to get lifetime cover and not the 12 month
renewal.

I have come across two companies: Pet Plan & Pet Protect

Just wondering if anyone has had experiencies (good or bad) with these
companies??

Any feedback would be much appreciated

Andy
 

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I've no experience of either, sorry! I think Pet Plan's policies are very good, but I found them pretty pricey when I got quotes from them. If you shop around, I think you'd get the same level of cover for a better price elsewhere. I'm with Greenbee.
 

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Have a look at the website which is advertised top right of the forum :wink:

I use Direct Line and so far they have been brilliant and good value for money
 
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WE use Direct line as all our other policies are with them. We managed to get it for £12.79 p.m. This is life time cover. Don't know if this is good Pet plan wanted something ridiculous per month! 8O
 

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Direct Line here, best quote for good cover and never had any probs claining them in the past with my previous lab.
 

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We are with petplan, we have claimed once so far with no problems. But will be claiming again soon for Ambers epilepsy and a newly diagnosed problem with her hip and knee.Our premium went up over 20% this year. It is pricey and petplan have altered there cover recently for people renewing policies. New excess on complimentary therapies, increased excess on vets fees and limiting hydrotherapy treatments to 10. Guess what amber needs!?!
We certainly knew Labs were prone to certain conditions but are surprised Amber is steadily developing them all!!. For your own piece of mind I would start with the best policy with the best cover you can afford as its difficult to change insurers if your dog develops a condition as I presume you wouldn't be able to claim for that with a new insurer.
 

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Hi,

We're with M&S at their Premier level. Last year Ben had months of treatment including spending most of the summer in a vet hospital, and M&S covered it all quickly and with no stress. One thing to consider is the amount of cover given in terms of vet bills. We found that when Ben was referred to specialists and had say one appointment and a set of x-rays this could easily cost £800. Ben saw our vet, then was referred to a specialist, and then referred to a vet even more specialised (only 2 in the country who did the op), and then on top of that we had surgical expenses, medication, after-care, etc. Thousands of pounds, but thankfully we had enough cover that we only had to pay the first £75. It was a really tough summer, but v grateful that we didn't have to worry about the money side of it as well. Pleased to say Ben is now a happy bouncy lab again :)

Ruby
 

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I have been with Pet Protect since 1997 and they are excellant. Not the cheapest policy maybe, but they pay promptly, and cover everything they say they will. I claimed for Tarka's whole life for his joint supplements and treatments, and they have paid a fortune for Fife's MCTs to be removed. They are friendly and helpful on the phone, and quick to respond. I would recommend them 100%.

Katy
 

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We're with Direct Line and have had thousands of pounds out of them for Jack (mostly for Hydro).

They are superb - highly recommended. However, I've no experience of other policies to compare.

Two things worth considering:

1. Cash flow. Had we gone with Pet Plan, they would have paid the vets direct, however with Direct Line we pay and then claim back. That's fine for us as I took out a 12 month interest free credit card, put the vet bills on that, and then claim for a number of months of hydro to minimise the number of excesses. If you aren't in the position to do that, or are not in a position to suddenly find hundreds of pounds at short notice for vets bills and cover that for 6 weeks until your claim is through, a policy which pays the vets directly may be better.


2. The claim limit, per condition for Jack is £6K, which should be fine. My thinking was that if I took out a policy that was £25 per month more expensive and for example Jack lived for 10 years, then I would have paid out £3000 in additional premium over his life. Therefore, if I run out of room on my Direct Line policy and have to pay less than additional £3K in fees for a condition that has already cost £6K, then I will have been lucky and "beaten" the PetPlan cover. However, if I need to pay out more than £3K per condition, I'll wish I took out Pet Plan.

At the end of the day, insurance is just one big bet. The insurance company that have spent thousands and thousands on research bet you that on a considerably greater number than average, your dog will cost less in vet fees than you'll pay in premiums over its life. So, Rufus will probably cost me at least £1.2K in premiums and he's such a healthy dog we'll never claim.

Hope that helps,

JOhn
 
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