im looking for pet insurance for my pup, im thinking about going with More Than (normal one not the saver one) but want some opyions, is anyone with them and are they any good?

They are efficient at paying out and don't take long in paying out.
They are quick making decisions if they will or will not pay the claim.

The down side is as your pet ages the premiums go up and if you have claimed
over the years it can jump quite markedly too (I am on 50p shy of £170 a month for one
dog that has had a number of claims over the years, another dog same breed 8 yrs old & younger is cheaper
£80 a month only a couple of claims over the life of the policy)

You also have an excess and a percentage to deduct from claims, when I first had the policy it was just an
excess now depending on your pets age it's either 10% or 20% that they deduct from your claim as well as
an annual excess for each condition.

Not sure if in the longer term you are better off going for Pet Plan.

12 yr old  entire male Rough collie  AA  £18 a month. 6 yr old peke entire bitch £18 a month Sainsburys. Pekingese puppy entire male. 8 mths £19 Kennel Club. No claims however .

I'm with NFU Mutual, insure my Rotties and Akita and they are roughly £22 each per month, £60 excess.  I have had my dogs insured with them starting 5 years ago and the price has increased by a few pounds in that time.  I have made claims and have an ongoing claim with one of my dogs (nearly 4 years now) and i've had no problem with them paying direct to my vets.  They also paid for a couple years hydrotherapy after my Rott had his cruciates operated on.  Cannot recommend them highly enough.

What's the cover like with NFU, Staff?

Nikita - On all of my dogs I chose to have a policy that covers them for £4000 per condition per year.  For example my Rottie had one cruciate operated on at 13 months so every year now he can have £4000 spent on it, be it operations, hydro, supplements etc.  He then did his other cruciate and again gets £4000 per year on the other leg.  My Akita has an immune condition and this costs over £300 per month for her Atopica which controls it and my vets just send them a monthly invoice and they pay them direct.  They have never quibbled anything and have been only helpful when speaking on the phone.  The price may have gone up now if you take out new insurance due to the increases in general but because i've had it for years I still get a good price.  I did reduce the cost of my dogs if they died for what the insurance would pay you back as this reduced my monthly payments because I can't see how getting the cost of my dog back would do me any favours if god forbid I lost them.

ive been looking around again as the excess + 10% was putting me off and ive seen this one on a few compairing sites, its by 'Animal friends' its a lifetime one, i can enther get the £30,000 Lifetime Condition Limit subject to a maximum of £4,000 per condition per policy year, with £66 excess for about £236 a year or £20,000 Lifetime Condition Limit subject to a maximum of £2,000 per condition per policy year with £66 excess for about £183 a year. Read the policy wording and it looks good. Anyone use this company? leaning more towards the £4000 one, got to phone them as they only do monthly payments online but do yearly payments on the phone.

Jo - I use animal friends for two of my dogs, both on the superior (£2k per year) cover.  Not had a problem with them, they've paid direct to the vet and to me for different claims.

If the excess percentage is an issue though do bear in mind that once the dog reaches 8yrs old, the excess goes up to £99 + 35%.

Staff - I'll have a look at them then, they sound good :-) And as Remy's only ongoing condition is his thyroid, which isn't covered anyway, I think it's time for a change as he's now into the higher excess with animal friends.

thank you Nikita, going to call them up today to buy one, just cant decied between the £2000 or £4000, would many things cost over £2000?

One of ours has cost more than £6500 this year

One cruciate & ventral slot within 6 weeks came to over £7k. I guess it depends on the breed what the ops cost - big breed = big (costly) ops, bloat, hip & other joint ops, it's cheaper to run a car!

Also check terms & conditions some insurers count anything on 2 legs or 2 of anything as one condition.

> thank you Nikita, going to call them up today to buy one, just cant decied between the £2000 or £4000, would many things cost over £2000?

No one answer to that really - a lot depends on the breed but there's no telling.  You can make an educated guess - so say, with my dobes I know to be prepared for heart and thyroid problems mainly (among others, but they are the most likely to happen) - but even within that, Remy's hypothyroidism has not responded to the usual treatment and he's now on human T3 pills, very uncommon in dogs.

Of my wonky dogs - Remy has cost about £1700 in tests and meds over the last two years (and now, at least £30 a month ongoing for meds); Saffi about £750; Paige about £400 and Soli in her last year just about £4000 (she had 4 ongoing conditions).  Paige is going to cost me probably £400-500 a year when her heart goes into DCM proper (she's got the pre-signs at the moment but not enough to officially diagnose), then probably a lot more on top when she goes into heart failure (assuming she doesn't go sudden death as Soli did).  Tia over a year will cost me about £500 a year in meds and vet visits for chronic problems.

I would say go for the best you can afford - you never know what will happen.  I stupidly thought that thyroids are cheap to maintain in dogs (and indeed for most dogs, they are) so changed Remy's insurer a couple of years ago - now paying for that decision (literally!) and could really have done with cover for it now.

Please please get the best you can afford,a broken leg has cost me £1.700, so £2000 is nothing,even £4000,is cutting it fine,on the other hand you might not need the insurance at all,but then again...  it is nice to know it,s there if the need arises,it surely is in yours and your dogs best interest to get the highest amount of cover.

thank everyone,  the £4000 one works out at about half a months wages for a year, and half that for the other one. I can afford it at the moment but a bit worried if i was to lose my job, or the price goes up too much i may have to change, which would mean that what was covered on it wouldnt be covered on the new one.

Also check terms & conditions some insurers count anything on 2 legs or 2 of anything as one condition
Yes it says that in the policy wording that bipedal things are conserded as the same condition.

Try not to worry about something that may not happen :-) And, I can tell you that you'd be surprised how well you can manage even if you do lose your job.  Soli's policy ran her whole life, I had her for just shy of 5 years of that and in that time I've lost my job 3 times through redundancy.  Always managed to keep it going (and the policies for the other dogs, 4 at the time of losing the last job) - think I had maybe 3 or 4 payments that bounced and had to be redone as things were tight, but I always managed to keep it active :-)  Also, if your dog doesn't have anything ongoing in such an event you are free to change policies so there are always options.

On the rising premiums note - Remy's policy went up £1 at last renewal, after over £700 of claims, and Paige's went up £2.  He's 8, she's 7 so for their ages I think that's a fantastically small increase.