beddyman 6 Posted November 20, 2008 Report Share Posted November 20, 2008 looking to get insurance for my lurcher pup and wondered what or who you guys use on here and how much it costs ? .. also what does it cover as my pup is suicidal and i will need it asap .. cheers Quote Link to post Share on other sites
farlap 19 Posted November 20, 2008 Report Share Posted November 20, 2008 looking to get insurance for my lurcher pup and wondered what or who you guys use on here and how much it costs ? .. also what does it cover as my pup is suicidal and i will need it asap .. cheers ok i know they are a little more expensive than most others, but i use petplan. I have 13 dogs with them and i make claims on a monthly basis and in 20 years i have never had a claim turned down or even queried. They pay up quickly and continually year in year out for the same condition. I had one hound with a chronic ear problem that never cleared and they paid up £ a month for 9 years....that covered the cost of his insurance premium twice over for his whole life!! I have tried a couple of others just to see if i could sve money...i tried tesco and M&S and both were a waste of time as they started quibbling over claims and then makeing stipulations on what i could claim for the next time the premiums were due etc.....qute useless! Quote Link to post Share on other sites
Clover 0 Posted November 21, 2008 Report Share Posted November 21, 2008 I agree with Farlap - Petplan. I've got lots of dogs too (not quite as many as Farlap, though ), so it costs me a lot every month but it's worth every penny. One of mine is so unlucky - broken leg as a pup, end of tail amputation due to split not healing, gangrene in toe, pyometra, etc - and her payouts have just about equalled my premiums. Unlike several companies, they will pay out for a condition for the duration of the policy, not just for a year. Quote Link to post Share on other sites
Jim Grant 4 Posted November 21, 2008 Report Share Posted November 21, 2008 As I have multiples of horses, dogs and cats around the place insurance was a major piece of expenditure. I decided about 10 years ago that I would take Vet bills on the chin. Most bills are fairly light and when you pay the excess anyway it was not worth it. The older the animal gets the less cover you get, just when you need it. I reckon I am saving a thousand or more each year. Quote Link to post Share on other sites
farlap 19 Posted November 21, 2008 Report Share Posted November 21, 2008 As I have multiples of horses, dogs and cats around the place insurance was a major piece of expenditure. I decided about 10 years ago that I would take Vet bills on the chin. Most bills are fairly light and when you pay the excess anyway it was not worth it. The older the animal gets the less cover you get, just when you need it. I reckon I am saving a thousand or more each year. each to their own and certainly i have done that same thing with my horse as never made a claim in years and the excess always seemed to match the bill!! however with the dogs its different...I have 3 that have never had a claim, but the rest, well their insurance last tax year came to £3700 and my claims came to £5600 so got ever y penny back and more! As for the part about the older animal getting less cover...well not with pet plan, they pay out no matter how old. the only thing they dont do is pay for death after 8 years, but vet bills are covered no matter what age and how often they get ill. Quote Link to post Share on other sites
CUBE 0 Posted November 21, 2008 Report Share Posted November 21, 2008 I dont own lurchers so on that front I cant comment, I have labs and springers which I work and I use Buddies Petplan (http://www.buddies.co.uk/) who do exactly what I need. A good insurance company in conjunction with a good vet takes away all the headaches. I've had the usual- a mad springer pup jump off a 40ft ice house, a lab with an infected foot...but the clincher was a springer with chronic renal dysplasia (kidney malfunction) who was generally f*cked - in the end we sent him (RASCAL) up to the vet school in Glasgow for tests where he stayed for a couple of days...would have cost a fortune if we weren't insured, in the end I had to put my first springer down, but I insure my other 3 dogs via Buddies and I think they are ace. Premiums are fair, just remember disclosure - tell them what everything they need to know, otherwise they have grounds for not paying out on a claim. I gather NFU are pretty good too, check out the advert in the back of the shooting times most (if not every) weeks. I guess as with any insurance, you pay for what you get. Bottom line cheap premium is fine but what you really want is the appropriate assistance when the prverbial hits the fan. Laters CUBE out Quote Link to post Share on other sites
whip x grey 276 Posted November 21, 2008 Report Share Posted November 21, 2008 (edited) my wife insured 2 off my dogs,,,£6.50 each a month from tesco,,,online,make sure u get accidental & illness cover,,ull be suprised some dont do that just for illness,read small print took one of my dog,s , few months back to vet,s just for £110 bill,,,had to pay 1st £60,,,,but if anything went wrong they pay up to £2,500 for the next 12months of treatment,,,,,its probably just the cheap option we have,,,but it is handy to have Edited November 21, 2008 by whip x grey Quote Link to post Share on other sites
Doglost Co-Ordinator 4 Posted November 22, 2008 Report Share Posted November 22, 2008 Got mine insured with Direct Line- car quotes are pretty dire but the pets are really competative & they've never quibbled or witheld any claim. Not even two days of 2 dogs been on a drip after raiding the holiday shopping & eating chocolate. The labx spent 2 months after on enzymes for her pancreas & pills for her liver. Admitedly the vet food she had for 6 weeks wasnt covered but they paid everything else. £ excess & on my particular policy it's £4000 per condition or 12mths, but think you can change to lifetime cover. Anyone that lets there dog eat chocolate be warned- it's taken from March to November to get Skyes pancreas & liver readings back to normal. Some dogs it doesnt effect, others it can & will kill them. The 2 days on drips cost over £1000 for both dogs. Other than that, ripped claws, ripped ears, suspected mammory tumour removed, thyroid probs, ear infections, all been paid out no probs. Quote Link to post Share on other sites
spookster1 24 Posted November 22, 2008 Report Share Posted November 22, 2008 looking to get insurance for my lurcher pup and wondered what or who you guys use on here and how much it costs ? .. also what does it cover as my pup is suicidal and i will need it asap .. cheers ok i know they are a little more expensive than most others, but i use petplan. I have 13 dogs with them and i make claims on a monthly basis and in 20 years i have never had a claim turned down or even queried. They pay up quickly and continually year in year out for the same condition. I had one hound with a chronic ear problem that never cleared and they paid up £ a month for 9 years....that covered the cost of his insurance premium twice over for his whole life!! I have tried a couple of others just to see if i could sve money...i tried tesco and M&S and both were a waste of time as they started quibbling over claims and then makeing stipulations on what i could claim for the next time the premiums were due etc.....qute useless! Totally agree Petplan is the best, i have been with them for about 20yrs and not had any problems. My saluki alone has cost thousands of pounds, in one year her vet bills were £6000 she would be dead if i hadn't gone with petplan. Quote Link to post Share on other sites
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