Discussion in 'The Labrador Site' started by rickeets, May 27, 2018.
which would be the best type.
Hi. There are lots of different types of insurance out there. Some cover your dog for just about anything, but can be expensive. Others are much cheaper but usually don’t cover that much which ends up being very costly if your dog has something serious.
I pay about £30 a month with direct line and they cover a lot of things and have always paid out quickly.
You need to get ‘Lifetime’ insurance not the yearly one. I insure Tatze for £7,500 vets fees in one year. This includes dental emergencies but not routine vaccinations. Pet Plan and John Lewis both do good ones.
It gets more expensive as the dog gets older but it’s worth phoning up if the premium bumps up, as they can tweak the excess and bring the monthly amount down. I currently pay £39 a month and Tatze is 5 years old.
I’m also on a pension but would never be without insurance. My Callum (RIP little man) needed an eye op which cost the insurance £7000, there is no way I could have saved that amount. The high cost of insurance is the reason I only have one pet dog.
Paying a bit every month regularly is better than facing a bill running into thousands if something unexpected happens if you don' have the spare cash.
Be warned that the cost can be more than double once your dog gets over 5 or 6 years old.
I also would recommend lifetime cover, go for as much as you can comfortably afford. I don't think I've heard of anyone really bad to insure with.....
Also think about one of those pet plans if your vet runs a scheme. Where you pay monthly for all vaccinations wormers and money of consultations etc. I think some of them are worthwhile particularly in the first year as they include chipping. Worth looking into I think
We have recently insured our puppy, she was 13 weeks when we insured her.
We are paying for lifetime cover, and for as much as we could afford in each section (vet costs, medication, accident, etc).
We used comparethemarket.com to look through our options.
If you didn't want to pay insurance, you could always set up a saving account and pay in a certain amount each month that way you have a savings pot for if anything does go wrong in the future, this was one option recommended to us by our vets when we asked them.
Hope you get it sorted soon,
Holly and Nala x
I’ve just swapped insurers - always worth doing if yours bumps the premium up, which they tend to do as the dog gets older.
This one is with LVE. Tatze is five years old and it’s £35 a month, lifetime policy with £75 excess and £10,000 vets fees covered in the year.
LVE were very good indeed with a recent car insurance claim.
We are staying with Kennel Club liftime cover, £31 for Honey (12 weeks old).
Remember to shop around each year at renewal time as, just like car insurance, they put it up year on year but switching usually brings the price right back down.
Only works if you don't have pre-existing conditions, sadly
Will keep an eye on it for next year and see what happens come renewal time!.
I found that once Lilly turned 5 years old, they really hiked up the premiums.
Ours increased last year because Hattie turned 10 years old, this year it will probably go up again. I hadn't noticed an increase when they both turned 5 years though. x