Pet Plan Insurance

[nothernlite 18,089]

its like a builder doing insurance work they are going to rip the piss would rather take the chance and just pay for it

[paulus 26]

its like a builder doing insurance work they are going to rip the piss would rather take the chance and just pay for it

that old dog of mine is 11 until the last month he has never seen a vet, my younger one has been once for an injury that required specialist stitching. the old bitch is 14 and probably been half a dozen times, i do believe they do procedures with insured dogs that they wouldn't do with uninsured dogs, however i also believe if you're not confident enough to recognise and have the knowledge to treat your own dogs then insurance would be the way to go.

[nothernlite 18,089]

 

its like a builder doing insurance work they are going to rip the piss would rather take the chance and just pay for it

that old dog of mine is 11 until the last month he has never seen a vet, my younger one has been once for an injury that required specialist stitching. the old bitch is 14 and probably been half a dozen times, i do believe they do procedures with insured dogs that they wouldn't do with uninsured dogs, however i also believe if you're not confident enough to recognise and have the knowledge to treat your own dogs then insurance would be the way to go.

 

very true the 3 of mine only been for there jags 2 at nearly 5 and 1 at 3 (touch wood )lol

[paulf 820]

definitely worth looking into ..like you said gaz one bad cut and it will be a lot more than £17 a month..

[Gaz_1989 9,539]

I can definitely see the arguments for against.

 

It's a definite case of each to their own.

 

I had a tough month last month with not much work and had to spend some money on the house (leaky roof), I was just thinking to myself what would I do if one of the dogs needed a good few quid spending on them. I haven't got it. My dogs mean a lot to me and to have to have them put to sleep because I can't afford to treat them is insane.

 

In reality I would borrow the money, get a credit card or whatever. But it wouldn't be a nice situation to be in.

 

As someone said above my mobile phone bill is £60 a month. Sky and broadband isn't far behind.

 

£35 for peace of mind is nothing.

[nothernlite 18,089]

I can definitely see the arguments for against.

 

It's a definite case of each to their own.

 

I had a tough month last month with not much work and had to spend some money on the house (leaky roof), I was just thinking to myself what would I do if one of the dogs needed a good few quid spending on them. I haven't got it. My dogs mean a lot to me and to have to have them put to sleep because I can't afford to treat them is insane.

 

In reality I would borrow the money, get a credit card or whatever. But it wouldn't be a nice situation to be in.

 

As someone said above my mobile phone bill is £60 a month. Sky and broadband isn't far behind.

 

£35 for peace of mind is nothing.

very true gaz my we dogs are no fast enough to cause problems just we moochers well worth the dosh for peace of mind

[Sirius 1,391]

 

 

 

 

i think pet insurance is the best way to go me pal has had £8600 of operations preformed on his labradors front leg and rear hip upto now due to bone problems rods and plates have been inserted he was paying £11 a month and had been paying it for just shy of a year

to me these types of procedures on a working dog are morally wrong a waste of money, the dog will never be able to do what nature intended, its not as if they can retrain as something else. plus all that metalwork will almost certainly lead to arthritis later in life, all good money for the vets but not so good for a working dog.

I do agree Paulus. You need to know when to draw the line. But for serious rips and tears, muscle damage etc where recovery is a serious possibility or even things later in life when retired like tumours etc I think it could come in handy

when they get old, a good vet not seeking money, will balance the risk of treating benign tumours against the risks involved with a dogs age, i do believe insurance encourages vets to do things they wouldn't do with an uninsured dog. my old dog flash is on his last legs with a suspected neurological problem, now the cost of an MRI scan is over a grand, money that i will not pay as even if its confirmed with the scan there is still no effective treatment, if he had been insured then i am quite sure a scan would have been done, pointless in my view

I agree.

 

I work closly with vets and the veterinary industry and I believe insurance is what keeps the pennies rolling and the ship afloat. Its a blank cheque to some unscrupoulous vets. in many cases it can help keep pets going much longer than they should, allowing people who before could not afford these type of treatments the option to do so, which is not entirely to the benefit of the animals well being but more to the benefit of the vet surgery.

The amount of animals over the years I have seen which, should of been PTS years ago still being operated on or given medications is amazing. Most pet owners will do anything for there pet and often don't have the knowledge to evaluate when is the correct time for the animal to be PTS. But often they are offered option after option especially if the dogs insured, when really they should be advised by the vet about the reality of there pets standard of life will be.

 

I have had my own local vets try it on with me, I had to almost argue to get the dog PTS as there was no way it would ever work again and it break the dog and my heart to leave him on the sofa after the life he had previously lived. Some time you just need to put the vet in check!

 

However insurance is bloody useful for people in our game with working dogs, and in the main as a group of people generally know when enough is enough unlike much of the pet owning public.

 

Really it's finding a vet who you can trust and has the same view as yourself which is the best starting point.

There's a lot you can't treat yourself and if the insurance does it great, f**k I have had nasty deep cuts, several tricky tooth extractions, amputation of toes, all sorts done to my dogs over the years.

Sorry for the rant but it boils my piss when insurance is used without the animal coming first.

Edited September 24, 2013 by Sirius

[Gaz_1989 9,539]

 

 

 

 

 

i think pet insurance is the best way to go me pal has had £8600 of operations preformed on his labradors front leg and rear hip upto now due to bone problems rods and plates have been inserted he was paying £11 a month and had been paying it for just shy of a year

to me these types of procedures on a working dog are morally wrong a waste of money, the dog will never be able to do what nature intended, its not as if they can retrain as something else. plus all that metalwork will almost certainly lead to arthritis later in life, all good money for the vets but not so good for a working dog.

I do agree Paulus. You need to know when to draw the line. But for serious rips and tears, muscle damage etc where recovery is a serious possibility or even things later in life when retired like tumours etc I think it could come in handy

when they get old, a good vet not seeking money, will balance the risk of treating benign tumours against the risks involved with a dogs age, i do believe insurance encourages vets to do things they wouldn't do with an uninsured dog. my old dog flash is on his last legs with a suspected neurological problem, now the cost of an MRI scan is over a grand, money that i will not pay as even if its confirmed with the scan there is still no effective treatment, if he had been insured then i am quite sure a scan would have been done, pointless in my view

I agree.

 

I work closly with vets and the veterinary industry and I believe insurance is what keeps the pennies rolling and the ship afloat. Its a blank cheque to some unscrupoulous vets. in many cases it can help keep pets going much longer than they should, allowing people who before could not afford these type of treatments the option to do so, which is not entirely to the benefit of the animals well being but more to the benefit of the vet surgery.

The amount of animals over the years I have seen which, should of been PTS years ago still being operated on or given medications is amazing. Most pet owners will do anything for there pet and often don't have the knowledge to evaluate when is the correct time for the animal to be PTS. But often they are offered option after option especially if the dogs insured, when really they should be advised by the vet about the reality of there pets standard of life will be.

 

I have had my own local vets try it on with me, I had to almost argue to get the dog PTS as there was no way it would ever work again and it break the dog and my heart to leave him on the sofa after the life he had previously lived. Some time you just need to put the vet in check!

 

However insurance is bloody useful for people in our game with working dogs, and in the main as a group of people generally know when enough is enough unlike much of the pet owning public.

 

Really it's finding a vet who you can trust and has the same view as yourself which is the best starting point.

 

Sorry for the rant but it boils my piss.

Good post. I don't agree with the pet owners doing that. My parents just had one of their Dobermans put to sleep a few weeks back.

 

His legs were going and his kidneys were failing.

 

They had insurance and the vets wanted him sending all over the country for tests at a university and all the rest of it. They could of kept him going for years but with what quality of life.

 

It's up to us as owners to say when enough is enough IMO.

[Westy76 546]

I've had a shit year with the dogs but if my mrs hadn't set my lot up with insurance I'd have lost a dog and been very skint!!!!

One of mine had a rta £3.5k,tail docked £300 and another had a toe off £750 the company happily dealt with vets on all accounts and paid ASAP.

Wouldn't be without it now.

[B.P.R 2,798]

Direct line...

 

. whippet and a lurcher.... £12 quid a month....

 

Paid out 4grand for cass within a fortnight... no pissing about...

 

And i added the lab x and the pup to the policy....

 

Now pay £39 per month.... 4 dogs with a full claim....

[RossM 8,119]

I'm £34 per month for my two runners & terrier, in all I've probably had 4 claims in adding up to £2-£2.5k so it's worth it IMO rather pay small amounts per month than £800 outright, insured up to 10k per claim with regards to insuring working dogs as my vet rightly pointed out there's a difference between a dog lamping 3-4 times a week and the likes of a sheepdog working hills a gamekeepers dog or even a sniffer dog which is working 7 days a week

[Big bald beautiful 1,231]

whippet and a lurcher £27 a month...must be a shite whippet

[B.P.R 2,798]

How many wouldnt think twice about spending 40quid on a night out (feck its a lot more) .... or 40notes in the bookies.... or a takeaway and a few beers?...

 

40quids feckall.....to know if your on your arse....and the shiit hits the fan..... youve got a backup plan....

[Big bald beautiful 1,231]

Never insured a dog before, if shit hit the fan ...lets not go there ...

reading over the stories on here, makes you think..i need to get more quotes, done 4 tonight.

[RossM 8,119]

Never insured a dog before, if shit hit the fan ...lets not go there ...

reading over the stories on here, makes you think..i need to get more quotes, done 4 tonight.

Tried tesco yet mate?