Anyone use the KC breeder plan insurance any experiences good or bad welcome.
http://www.breederplan.co.uk/
Thanks Angela

I havent but I did ask them to send me more info on it. If it seems good then I'm seriously considering it.

I would like to know how expensive it would be really, I dont insure mine anymore but simply put the same monthly amount into a seperate account and it has covered all ills so far, would be interested to know how much though.

I was given a quote of £19.83 per month (lifetime cover) for one of my girls so I'm going to look at the paperwork this evening and compare with her regular insurance, other factors that it specifically offers and the good old doggy bank account!

That isnt to bad at all is it, especially if it does cover any occurances that may happen with breeding, I look forward to your opinion once you've read the paperwork :-)

I do the same at present, but am planning a litter next year. I will have saved quite a bit by then but my last litter cost a rather lot, out of hours c sect, poorly mum and pup needed xrays at 6 weeks (with anaesthetic) for injured leg which turned out to be nothing. It was a worry at the time, as although I had savings they were getting really low at the time of litter leaving. Not sure how much I would need to save to cover those circumstances or even more next time (hope not), hence I'm looking at the insurance:-)
Angela

Just looked at your website Angela, gorgeous dogs :-)

Pregnancy and all things related are covered from the moment you take out the policy from what I can gather, for anything else there is the usual 10 business days inception period.  On that basis alone, I think it's quite worthy, although I'm waiting for them to get back to me on some "what ifs"

Thanks Papillon, I think so! :-) I think I'll give them a ring for a quote, breeding is stressful enough without the money worries LOL. Will report back.
Angela

Sounds pretty good so far Mini :-) will check back to see what answer you got to your "what ifs"

Yvonne.

> Thanks Papillon, I think so! :-) I think I'll give them a ring for a quote, breeding is stressful enough without the money worries LOL. Will report back.
> Angela

Your so right, I always say you have to have around £1000 available when you plan a litter to cover any eventualities like a ceasar + aftercare or poorly pups, breeding a litter costs loads in time, money and stress lol, the insurance may just be the answer to reducing the stress quite a bit.

Yvonne.

I just called for a quote just too see how much now i have a 8 month old bullmastiff bitch they quoted me £93.26 per month to cover her

Ouch denny that is incredibly high!

I think you actually have to wait 10 days before claiming on all aspects regarding whelping - will need to read small print thoroughly though

Interesting policy .. will get a quote for my youngest girl who is insured on a for life policy with More Than at the moment which excludes any costs associated with pregnancy, whelping , rearing of pups.

Just had a litter where dam needeed C-section and then developed two unrelated complications of whelping/rearing pups. Close to death on two occassions and hospitalised for nearly 2 weeks ... total costs run to many thousands. Its matters not one jot as my girl is now well on the road to full recovery but some insurance cover would have been great.

K

I called for a quote (17month old bitch) £19.41 a month without death benefit £20.31 with. Think thats very resonable in that my previous litter cost in excess of 1k! OH does too ;-)
Angela

That's really good, I'm going to go for it to, thankyou Angela :-)

Is there a minimum period you're locked in for?

For example could you take out insurance, mate the bitch and then cancel the insurance say three months later after she's whelped? Doesn't sound very likely but I thought I'd ask ;)

Edit: Ah, scrap that - looked all over and couldn't find the T&Cs, just found them now! Though as it's an annual contract I'm not quite clear as to whether you can cancel any time after the first 12 months or whether after the first 12 months you're locked into another 12 months?

Interesting that it covers puppies in the first week and then from 5-12 weeks but not 2-4 weeks.

I would imagine you are tied to a certain period of time or everyone would just be insured for the whelping, even if it is for 12 months it still seems resonable price for a small breed like mine, I am definitely going to get my girl insured with them.

I took out this insurance on my bitch last year just prior to whelping and cancelled it just after puppies went - no problems.  I believe if you make a claim you have to remain with them for the 12 months.

Thanks for that info Ells-Bells, most useful :-)

> I took out this insurance on my bitch last year just prior to whelping and cancelled it just after puppies went - no problems.  I believe if you make a claim you have to remain with them for the 12 months.

Ahh that would explain it - I was very confused by the fact they said you could cancel at any time but then also said you were entering into an annual contract.

For a 2 1/2 yr old bitch I was quoted £20 per month for £7,500 cover, £150 fixed excess with a 20% variable, & £800 life cover. £18.60 without the life cover.
Will be going through the terms very carefully, but it looks pretty good so far.

£19.83 per month for a 3 year old bitch with a £5,000 limit, 10% variable and cover for life.  Said bitch had minor complications with her first litter so I wanted to clarify if they would still cover, which they will.  Not to happy about the ommission of cover between weeks 2-4 for puppies, does anybody know why that is?

> Not to happy about the ommission of cover between weeks 2-4 for puppies, does anybody know why that is?

It appears to be covering the puppies for their first week just for fading puppy syndrome so essentially they are really only offering comprehensive cover from 5 weeks on.

So it does. mmmmm.  To be honest, for the small peace of mind for the welfare of my girl during pregnancy and whelping and in comparison to other general insurance policies it does seem worthy.

When I looked into it I was told the bitch would have had to have whelped one litter already and cover started a month after the first premium.  The monthly premium was I think from memory around £30 monthly.  My girl had a ceaser with first litter and whelped the second no problems.  I was told however that I had to keep the policy for 12 months or pay the 12 months cost if I cancelled the policy.

I am going back a couple of years so the policy you mention seems to be fantastic and I will look into it.

Ah I think I get it this is on top of your ordinary insurance I think looking at the things it doen't cover.  It looks like a good deal - reading more!

I am specifically looking to cover breeding related probs so its exactly what I'm looking for (for peace of mind) The bitch deosn't need to have whelped a litter already as my girl is 17 months and I got a quote no problem and was asked if she had already been bred. Cover starts after 10 days.
Angela

Not used it, but will look into it.  i know that Petplan do a breeder insurance and I was quoted roughly about £95.00 p/month for 2 breeding bitches and a stud dog.

Ive just contact the KC insurance for Isla (6 months old) under the breeder plan it will cost £25.57  a month, wont take that one out yet as she is so young, but will think about it later on if I decide to breed her.

The normal insurance through the kennel club for Pearl age 6 1.2 yrs is a life cover for £7.500, £50 excess etc, etc, the monthly payment is £16.35 a month. I have her insured with Marks & Sparks at the moment and the premium has just gone up to £18 + a month, so think I will change to k.c.  As she is going to be spayed I did not go for the breeder cover.

Thought this might help some of you its not as expensive as I thought, this is for west highland white terriers, not a large breed I know.

Ah I think I get it this is on top of your ordinary insurance It isn't on top of your existing it is an alternative that includes the normal things covered plus whelping issues. ( with exclusions)

The exclusions are covered by my ordinary insurance so that's good for me :-)  simply means I would have to run the two during the year I wanted to whelp.  I haven't got any bitches that have problems whelping atm but when I go for another first time mum I will certainly take this insurance out.

The exclusions are covered by my ordinary insurance so that's good for me

I'll need to have a read and the terms and cons when I am more awake.   I thought it was was replace the standard insurance with the whelping cover added.

Just out of interest What does it exclude that your insurance covers?

I have requested the full details from them to have a good read. ( I know there are some on the site)

dental and joint problems for a start. 

I note if you start the insurance before 4 months you may be covered for joint problems but I guess people don't even think about that at four months as you don't know how your dog will turn out and if it is worth breeding from.  The other things I have on my policy are selective so would not apply to everyone.  To be honest I am thinking about it for one bitch when she matures but that's 12 months off and if you want a second whelping covered you have to keep the policy going in between (for two years for example) to maintain your breeding cover.  If my bitch were to have trouble with one whelping she wouldn't be having a second so that's not important to me.

It does look like a good plan as you can be paying out thousands if a whelping goes wrong.

i have just had a quote from k.c for breeder insurance........78 per month!! yep thats right 78! yeh its for a giant breed but i think thats excessive.
also the excess on this plan is payable every 120 days. so if you claim you pay the excess (if your still claiming) every 120 days.

mine was worse at over £90 a month for a bullmastiff, i couldnt believe it, the quotes seam not too bad for the smaller breed but seam to go up a lot more the bigger the dogs is