Insurance for puppy

Discussion in 'Products and supplies for puppies' started by sss3, Feb 18, 2016.

  1. sss3

    sss3 Registered Users

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    Hi

    My 9 week lab pup has 5 weeks free KC insurance but this runs out in a few weeks time so i'm now starting to get quotes.

    Can anyone personally recommend an insurance company that has been good to deal with and actually pays out without too much hassle? I've heard Petplan and Tesco are good and deal direct with the vet so you don't have to pay out up front.

    I'm considering a lifetime policy, just wondering if anyone has one of these and whether they are worth it?

    Many thanks!

    S
     
  2. Newbie Lab Owner

    Newbie Lab Owner Registered Users

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    I have a lifetime policy with Pet Protect and I'm just starting my first claim. They only give £750 for cruciate ligaments though. We have set aside money for this should we need it.
    My son has claimed from this company with no problems and a vet nurse friend has said they never have any problems with them.
    Our premium is £20 odd a year at the moment.
    I would always recommend a lifetime cover.
     
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  3. Pilatelover

    Pilatelover Registered Users

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    Personally speaking Id go with PetPlan, I took out the classic life cover and have literally claimed the whole £7k for vet bills because of my girls ED plus a few other things she's had wrong. They have not quibbled once, have been very kind and efficient on the phone. At times I was very upset and didn't expect to find someone with such empathy on the end of the phone. I expected the premiums to go up massively as its up for renewal at the end of the month and they've only gone up a couple of pounds a month. I'm really pleased with them.
     
  4. Stacia

    Stacia Registered Users

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    I use Pet Plan and have done so for 30 years or so. When you insure, make sure you do it two weeks before the KC insurance runs out as you pup will not be insured for the first two weeks. Fortunately I did this as mine broke his elbow at 16 weeks and I was just in the insurance period!
     
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  5. AlphaDog

    AlphaDog Registered Users

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    In U.S. Healthy Paws is most recommended. We got it considering some of the mountain trips he'll be doing in the coming years.
     
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  6. mandyb

    mandyb Registered Users

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    Petplan all the way.

    I've been caught out by a very large insurance company (AXA) pulling the plug on pet insurance and leaving it's customers in the hands of another company who priced out anyone who'd had previous claims! I won't get caught again and will only insure with a specialist company who deal exclusively with pet insurance.
     
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  7. charlie

    charlie Registered Users

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    Pet Plan here. £560 per year for 2 dogs upto £7k each of vet bills, plus some other covers (can't remember :rolleyes:) no pre existing conditions nonsense, no older dog problems and lifetime cover. I have claimed once it was dealt with no problems at all. :)
     
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  8. Lochan

    Lochan Supporting Member Forum Supporter

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    Be aware that some insurance companies underwritten by RSA are insisting owners are referred to their preferred specialists or face paying several hundred pounds extra above and beyond the standard excess if you make a claim. This may mean you have to be referred somewhere with not such good facilities or see specialists who are not necessarily the first choice for a particular problem in order to comply with their preferred specialist list. This is currently affecting Tesco and More Than clients.
     
  9. sss3

    sss3 Registered Users

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    Thanks all for your comments, very helpful. I'll get some quotes and see how i get on.

    S
     
  10. drjs@5

    drjs@5 Registered Users

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    I have had no problems with Argos Platinum, but have just claimed once for a consult re HD,
    We were pleased that the premiums didn't go up as a result of this BUT they are automatically put up when your dog is over 5 yrs old. They almost doubled and we paid over £600 this year.
    Not sure if that is common.
    Sadly with the known HD I think we are stuck with Argos now, as we would have been for any other Insurance Co.
     
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  11. SwampDonkey

    SwampDonkey Registered Users

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    I haved used pet plan for a number of years. I would recommend them as they are one of the better companies. I have however had problems with my old dogs claims about every 2 to 4 years. Like most insurance compaines they don't like to pay out on a claim, they are in it to make money. Everytime so far we have won any disputes we have had with them. Just be careful and read the small print
     
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  12. Oberon

    Oberon Supporting Member Forum Supporter

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    Have been very happy with PetPlan (Australia). Would go with them again for sure. We haven't had any serious health dramas but nevertheless have had a few claims and all have been paid promptly and without any hassle.
     
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  13. SwampDonkey

    SwampDonkey Registered Users

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    I'm still in the middle of my latest pet plan drama. They are now paying for his pain meds as i pointed out how unethical it was. They are now after consulting with my physio asking me vet again about Dougs treatment (this has been going on since october 2015). They do the same thing every few years always with the same result they have to pay which they don't like. Dougs at the end of his life and I'm in the middle of chemo and could well do without all th stress. Doug won't live much longer but they seem determined to make his last months harder than nescessary. I have 3 other policys with them and because I have never really made a claim i've had no trouble with them. They are probabley the best company to go with but like most insurance companies they don't like to pay
     
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  14. SwampDonkey

    SwampDonkey Registered Users

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    I pay £70 a month for Doug £60 For Midge and £30 For Rory and did pay about £30 for Freyja who died recently
     
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  15. SwampDonkey

    SwampDonkey Registered Users

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    Pet plan still being gits I have put in a complaint now
     
  16. snowbunny

    snowbunny Registered Users

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    Sorry to hear you're still having problems with them. It's the last thing you need.
     
  17. sss3

    sss3 Registered Users

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    Thanks for all of your comments. After much consideration I've decided to go with Pet Plan (Lifetime Classic policy). They aren't cheap but covered everything I wanted and deal directly with the vet regarding payment. I hope I don't have to claim but nice to have peace of mind just in case!
     
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  18. SwampDonkey

    SwampDonkey Registered Users

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    strangly now that I have made my complaint offical and my vet has complained about here rudness and unprofessional attitude of the investigators my claim form September 2015 looks like it may be sorted. So strange............ see what happens next
     
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  19. SwampDonkey

    SwampDonkey Registered Users

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    I think I would still use pet Plan they seem the best of a bad lot. They do pay eventually. The main problem seems to be there are 2 levels of staff. The sales and investigation. Sales are fine and like you and me but investigations are a bunch of crooks. They seem to to be looking for naughty stuff and see it were it isn't and have little or no understanding of weird unusual stuff and chronic health issues in dogs or what our dogs mean to us. They have done nothing but try to push me around and frustrate me into cancelling my claim. They will do anything not to pay out. Record anything you do with them, if they phone to "discuss" a claim it means they don't want to pay and are investingating you so tell them "you have all the info from my vet go and re read it what you need is there" or I am not prepared to speak to over the phone about this please speak to my vet". Don't volunteer any information and remember they record phone calls so it can work both ways. Read the small print and keep an eye on their share prices, they make millions out of us millions. I'm tough and stuborn I have lived with a serious, life changing time consumming boring illness for 25 years and nearly died in April so do they really think they have a hope in hell of me not getting what was agreed in our contract?
     
  20. snowbunny

    snowbunny Registered Users

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    Great to hear that your claim is hopefully getting sorted. It sounds like you and I are cut from a similar cloth. A couple of years ago, I had an eleven-month fight with a company who claimed I owed them five pounds. FIVE POUNDS. They were rude and threatening. Had I not been so stubborn, I would have just paid it to make it go away. In the end, I ended up getting the home addresses of the board of directors from Companies House records, sending them the entire year's worth of correspondence and, funnily enough, the issue was resolved within a week.
     
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