hi to all,

has anybody done any research on dog insurance,
i am currently insured with tesco and pay around £10.92 per month for each of my 3 dogs (toy poodles), but have only just realised that they do not pay out if your dog dies through an illness, and they also only offer a max of £50 reward if your dog is lost or stolen.
i also have looked at petplan but they seem expensive  you get upto £4000 in vets costs but nothing much else.

thankyou

Remembering that the object of any insurance company is to make money then to me, a far better idea is to set up your own insurance! Open a bank account and set up a standing order to tranfer the value of the insurance premium into this account. Providing you have no big payouts in the first year at you present cost you will have nearly £1200 in the account at the end of the year to cover bills!

Regards, John

I think that it might take nearer 3 years to accumulate £1200 :)

Daisy

I have done as John has said and in the first year if I added in the amount I have drawn for items not covered by the insurance (boosters etc) and items below the amount I agreed to pay in excess (£50), then I am well up on the exercise and within two years will be able to cover any expense up to £2000.00. So I would say to anyone who can afford to cover a problem in the first 2 years it is well worth doing and the account makes money in interest. I would say it is probably worth insuring a pup for the first year because that is the time that any big problems will come to light should there be any.

£10.92 per month X 12 months = £131.04 per dog X 3 dogs = £393.12 total per year! Sorry Daisy, it must be the heat getting to me! ;)

Best wishes, John

:) - There must be a breakeven point where this is cost-effective, but I can't see, with only two dogs, that it is better for me to self-insure. Given how much we have had to pay out so far for Tara's paw I'd need an overdraft at the bank as she is only 2 :(

In general, we never take out insurances for electrical goods for the reason that you state - but then the maximum cost is always only going to be the cost of a new washing machine etc which we would have to fork out for at some stage anyway :) Unfortunately for dogs there is almost no maximum :(

Daisy

I have considered doing this, but we've had our new pup for four weeks now and he's already amassed a vets bill totalling £1500 :rolleyes: So in this instance im very glad he's insured :D . (Though it's only the 6 weeks free cover given by petplan - does anyone know if they will continue to insure him after the six weeks are up?) I don't think any other company will touch him - but our other dog has always been insured with petplan, even though it costs nearly £30 per month

Im with M&S
Just under £9 a month - you can get the monthly payments down the more excess you are willing to pay .
£7000 payout for an illness/medical care etc :)

I do like the idea of doing your own savings account but we have to remember though that apart from illness, our insurance companies will pay pubic liability shoud the very worst happen and our dog so much as accidently scratches a child.

Solicitors fees can be much more costly than the average claim on illlness i would suspect.  Of course i don't know that for a fact though.

over the last 2 year my vet bill has been over £8000,00 so i donot think i could have safe that amount of money,
that has been for two dog that had cancer and die, litter of puppies with kc and the rest of dog in the household,wispa tail had 3 inch off,and alot more other major problems so i glad i got mine insurce,

In most cases your household 3rd party insurance will cover that. If not bet you could insure against 3rd part claims for very little.

I do Jackie, costs me something like £25 a year for 2 Labradors.

The thing is, if we all claimed £1500 to £3000 off of the insurance for a £130 premium then one of two things would happen. 1/ The cost of insurance would go through the roof or 2/ The insurance companies would go bust! They are not in business to give the dog owner money. Their one aim in life as I said earlier is to make money for themselves.

Apart from boosters which are not covered I've been to the vet just once at a cost of something like £75. I dont think the total for all of my dogs has come to £1000 in all the years I've had them and that includes insulin for a diabetic Labrador! Not bad for over 50 years in dogs!

Best wishes, John

Hi
I had a look on here for insurances.  i quite liked the sound of M & S it seemd cheaper than most with the option of lifetime cover.  thought great i will go with that one.  got it all up on computer got a quote for 12.00 aprox thought great.  then last min decided to read the small print.   The only dog excluded is shar-pei   which is what i have.
I have the others with Argos at 8.00 each but they are only coverd for a year for each ailment. thats yorkies and pugs.
So I decided to go back with petplan.  I have had dealings with them in the past for both horses and dogs and they are excellent. decided better the devil you know.
Bevie