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| Tomcat 106 Member Since: 08 Jun 2015 Location: Essex, just. Posts: 125  
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We’ve used PP in the past too. Normally competitive in the first year but then the premium rises exponentially!
Our two Flatcoats are now with Bought by Many as they were miles cheaper and had, as I could see, in the small print it looked like an equal cover to Animal Friends who we were with when we had the other Flatcoat and we had a fast turnaround when we needed to claim for him. I did seriously consider the “self insurance” route though-especially while they are younger and relatively bomb proof....bank the money for a couple of years and you have enough for most “normal” vet incidents! Pretty much every broker only offers a sensible premium with some sort of Co-payment.....(a less aggressive word than Excess!!) This could be a new growth area for A Plan  MY15.5 110XS CSW
1956 88" S1 2004 Tomcat 106 Comp safari |
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2nd Jan 2019 8:35pm |
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| williamthedog Member Since: 29 Dec 2012 Location: south wales Posts: 3441 
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What I've always done is self funding. Basically putting money away for when it's needed. Hopefully not until their later years. My sister insures her dogs and once you have claimed on one condition, it becomes a existing condition, ie, not insurable. So I've never insured dogs for that reason. Hope this helps
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2nd Jan 2019 8:37pm |
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| diesel_jim Member Since: 13 Oct 2008 Location: hiding Posts: 6103  
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Used PP with our last two labs. Needed a lot of vet stuff sorting on the last lab (we got trampled by a herd of cattle), spoke to an Indian chap and he arranged everything AOK.
They seemed quite well versed in the Queens English. Unless I was just lucky. |
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2nd Jan 2019 8:43pm |
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| jst Member Since: 14 Jan 2008 Location: Taunton Posts: 8088  
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try BASC Cheers
James 110 2012 XS Utility 130 2011 M57 bespoke Camper 90 2010 Hardtop 90 M57 1988 Hardtop |
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2nd Jan 2019 9:11pm |
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| sako243 Member Since: 08 Jul 2014 Location: Wales Posts: 1226  
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I've always gone the self insurance route although so have third party with Dogs Trust.
Lyra the mother has had no "unusual" vet visits. Tali the pup has had two significant ones. One was slicing her wrist open on something in a pond in Wimbledon (all in that was a tidy £1k to sort - 2" long and down to the bone, luckily missed all the tendons, she was walking on it 20s after yelping). The second she tore her chest open on a collapsed fence in Scotland when tracking a deer, that was £50 for an out of hours visit to Conan Bridge vets resulting in 8 staples or so. OK was a 3h round trip to get there but then everything is up in that bit of the Highlands. It's been helpful because Tali is now 4th generation of labs we've had in the family and know the breeding / history and not had any problems other than old age and Tundra (Lyra's uncle) managed to rip his penis open  (few staples with no anaesthetic and not a twitch from him). Ed
82 Hotspur Sandringham 6x6 95 Defender 110 300Tdi |
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2nd Jan 2019 9:28pm |
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| williamthedog Member Since: 29 Dec 2012 Location: south wales Posts: 3441
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Don't like see injury in any animal. But your vet is very reasonable indeed
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2nd Jan 2019 9:35pm |
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| davew Member Since: 02 Jan 2012 Location: North Yorkshire Posts: 888  
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Both our dogs have PP cover and I suspect we're up on the deal so far.
All done online so no need to talk to anyone, regardless of their location. Claims are all done through the vet, we give them the PP policy number, they fill out the forms, we sign them and the money is paid direct into our bank account shortly after. No queries or knock backs so far. Costs go up as the dogs get older but for the first few years they seem to stay stable, ours are now 3 and 4 1/2 years old and not had an increase in premium yet despite a number of claims. I believe age and breed are taken into consideration for the premium so may depend on the breed. http://www.yorkshireoffroadclub.net/ |
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2nd Jan 2019 10:40pm |
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| Spiritbeth Member Since: 24 Mar 2017 Location: Hampshire Posts: 15 
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We find you get what you pay for and over the years have ended up with NFU for our dogs. They are not cheap but the coverage is 5* and the service excellent. No quibble and fast payment on all claims. UK based phone service plus a local office (3 miles away!). Unfortunately they recently changed how they sell pet insurance and you can now only get it as an extension to a house policy. We swapped our house insurance to them to enable us to insure our latest flatcoat, expensive but worth the money.
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2nd Jan 2019 10:50pm |
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| custom90 Member Since: 21 Jan 2010 Location: South West, England. Posts: 20477
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This industry needs some regulation across the board much akin to car insurance style with competition.
Both industries get richer, at the expense of the owner with no control and around here the vets feel it's their right to tell the owner what insurance company they "prefer" to deal with, sometimes refusing to take others on. Imagine a police officer telling you that you had to have Direct line as an insurer for example. Yes, you need an insurer but not a specific company. There should be more competition market involvement and currently price comparison style things are not working. It's a hard one, but ultimately they both gain at the owner's expense and often the animals expense in the long term and it certainly doesn't help animals welfare. Many animals now won't have a home where they otherwise would do if it wasn't for exorbitant fees across the board. Even their food has gone up in price by at least a third minimum if not half in the last 6 years or so and practically at double the rate of economic inflation. Emotive subject, that is open to emotional exploitation for financial gain at possibly very difficult times emotionally. Shame they are not all like the Yorkshire vet if anyone's seen it. No Guts, No Glory. 🇬🇧🏴🏴🏴🇮🇪🇺🇸⛽️🛢️⚙️🧰💪 |
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2nd Jan 2019 11:00pm |
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| RoddyK05 Member Since: 08 Apr 2015 Location: Inverclyde Posts: 633  
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I can definitely recommend Pet Plan. Never had an issue with claims being paid out, but premiums are not cheap.
Our first lab had £7.5k worth of dental treatment over the years then had heart problems in his last year which wouldn’t have been cheap either. Our second and currently oldest lab has not been without issues either - couple of grand for a brain scan when he was younger and recently had cancer which thankfully he is now clear of. Our youngest has had a couple of claims too - he broke a dew claw and also ingested something he shouldn’t have, so that’s more claims paid out by PP. The wife deals with it all, but on the occasions I have had to phone them I have had no problems with the person I was talking to on the phone. |
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2nd Jan 2019 11:14pm |
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| Blacksheep Member Since: 10 Dec 2017 Location: Highlands Posts: 190 |
I use the “moneysavingexpert” website for our pet insurance policy, select the type of cover you require and compare costs.
 Time is precious, waste it wisely...
Defender 90 D200 |
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3rd Jan 2019 7:01am |
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| Badger110 Member Since: 06 Feb 2018 Location: South hams Posts: 1039 
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Our basset hound is with direct line and so far has had 2 visits to the vets.
With a £95 excess on an individual issue, she has had a visit for her front legs toeing out ( standard on a basset ), however no further work will be carried out at the moment, should we visit the problem again the excess has already been paid for that particular issue ( no time limit on claims ) We paid £130 for the year for the full cover which covers £8000 worth of work including dental etc. |
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3rd Jan 2019 7:12am |
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| Huttopia Member Since: 23 Feb 2016 Location: West Midlands Posts: 1972
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If any of you work your dogs check with the insurer that they are covered- even if you only go out a few times a year. Ask me how I know
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3rd Jan 2019 7:32am |
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| Rashers Member Since: 21 Jun 2015 Location: Norfolk Posts: 3525 
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We have never insured any of our dogs, but the latest one we did.
I asked our Vet who she recommended. She said that with her dogs, she shops around every year, but said that her inside knowledge of which companies were good at paying out and which one's were not so good, or a complete nightmares was a distinct advantage doing this. She recommended Pet Plan. As a Practice, she said they had very little trouble with their policies and claims, and, as has been said above, to a certain extent, you get what you pay for. She warned against 'supermarket' sold policies. I believe she said her dogs were with John Lewis so I would have bundled them with 'supermarkets'. Again, it helps if you know what the policy covers and the likelihood of the event so being a Vet that would be ideal. |
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3rd Jan 2019 8:30am |
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