I would like to ask some advice on dog insurance particularly labs we have a 9wk old pup we presently covered through our vet by Pets Plan this only last for anther 3wks so we are not sure if we should stay with them. Our vet did say that Pets Plan don't seem to quibble over payments I just want to make sure we get the best cover for our wee girl
Hi, we are with Pet Plan, lifetime cover, any condition, £7K per dog at a cost of £720 per year for 2 dogs. Our rescue dog had a serious freak accident in February and he almost died he needed lots of treatment, medication, 4 CT scans, weekend emergency, an overnight stay, he was under the vet for 6 weeks which cost £2000 and they paid up immediately. I can't fault them. xx
Ours are both insured with Tesco . They paid out without quibble for Sams cancer surgery last year, but were a nightmare when trying to claim for Nells Xrays, it took two months before we finally got our money back . If I could change , I would do but sadly no one would insure Sam now x
Tatze is insured with John Lewis premium plus. So far they have been very good. Last renewal they bumped the premium up by a lot - but a really helpful phone call sorted it out and I now pay the same as last year, but with a bigger excess. Be sure to get lifetime cover, not annual - annual is much cheaper but, if you claim for one thing it’s then counted as an ‘existing condition’ and you won’t be able to insure for it. Be sure it covers non-routine dental work too. Tatze broke her tooth a couple of weeks ago and the treatment and op costed the insurance company £500! A lot of policies don’t cover dental work at all. .
I get a few free weeks free pet cover with the kennel club and thinking about going with pet plan as Ive heard they cough up more quickly than others. Will have a look at the dental side of things with my research, thanks for bringing up this useful post Alex. I looked at John Lewis as well. Decisions, decisions....
Hi we're are with petplan have been for sometime in fact. No problems when claiming and they are reasonable. TESCO AVOID LIKE THE PLAGUE - absolute nightmare company to get a claim from and argue at every turn. I have looked at bought by many pet insurance but petplan have never let me down
Pet Plan is good. Don't forget if you do change you won't be covered for the first two weeks by your new insurer, so you need to overlap not wait for initial insurer to finish.
Also, if you do change, just be careful about pre-existing conditions. It's possible that anything reported to the vet up until the date that the new policy starts may be classed as a pre existing condition with the new insurer. We fell into this trap when Ella was a puppy. She was covered by a six week insurance policy from her breeder and we organised new insurance (different provider) to start before the other policy ended. Unfortunately, on her first vet check we'd looked at a mild itching on her skin (nothing sinister, just a bit of a contact rash from the grass on her bare belly) and the new insurer then excluded all skin conditions from the policy. For ever. Ugh.
What bad luck @Emily. My Lab broke his elbow at 16 weeks, cost over £3,000 and fortunately I had overlapped.
