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So Elvis the Cockapoo has very much [i]entered the building[/i].
Looking at Pet Insurance, who's good, who's bad, in's & out's etc.
Must be plenty of pampered pooches on here.
This is the canine in question.
Don't be fooled, its propensity to chew [i]anything[/i], & produce twice his bodyweight on poo every day, is quite amazing.
[url= https://c1.staticflickr.com/5/4167/34357422261_4fcb468730_o.jp g" target="_blank">https://c1.staticflickr.com/5/4167/34357422261_4fcb468730_o.jp g"/> [/img][/url][url= https://flic.kr/p/Um3LDk ]Elvis[/url] by [url= https://www.flickr.com/photos/takisawa2/ ]pten2106[/url], on Flickr
Petplan or NFU. End of thread in my opinion!
Pet plan. Not the cheapest but never had any hassle and I've made pretty good use of it !
Petplan. 9 years for us, paid out thousands for recurring chronic illness treatment with no fuss.
Definitely not E&L.
Petplan are much more expensive but a huge amount of hassle is taken away if you claim as the vet sorts it all.
Animal friends are much cheaper and have paid out no worries but you have to pay the bill then chase the claim.
I reccomend not taking out insurance, but putting the equivalent of petplans premium away into an isa or something. Over the course of the pets life, it's most likely you'll be quids in.
Petplan ..
Loki my cat got barrel rolled under a car 8 weeks ago , total claim cost with xrays and operations £1790
Cost to use £179 .petplan paid the rest , cost of petplan for the year for both cats £99
No brainer
Petplan, not cheapest but I've just had my first years renewal and its barely gone up despite her having skin allergies this year and having had to make a good few claims and claims that will continue over the rest of her lifetime. Direct claim with my vet as well so I dont even have to get involved with the money.
We had Tesco insurance for the dog for the first 4 years, then prices jumped and we switched to John Lewis.
Both have worked out at between £80-100 pa (increasing slightly with age).
Claimed over £3000 from Tesco for when she got poisoned (slack pest control left poison under a ridge tile rather than in a trap, but that's another story), then when she needed treatment for lungworm.
John Lewis have paid out nearly £2000 for a broken leg so far.
Both were dealt with directly by the vets concerned (not our local due to being referred). I only paid the excesses up front.
If we'd not had the insurance she wouldn't still be here! I think the 'save what you'd be paying' approach makes sense for things like electronics etc, but personally I wouldn't be risking it with a dog.
What we have on this thread is the opposite of the internet effect where only people with problems post about faulty cars. The majority whose cars haven't suffered don't post.
Obviously anyone who has claimed hundreds or thousands of £ more than they have paid in premiums thinks pet insurance is a good idea. With 30 years of uninsured cat and dog ownership without any large bills I'm well ahead of the game. I've got a couple grand in an account just in case.
Pet insurers have overheads. They make profits. There is a 12% insurance tax on premiums. With average luck you are better off self insuring.
It depends on your attitude to pets as well. If our 14 yr old cat got hit by a car and was facing operations and a huge vet bill he would be an ex cat. Not sure putting pets through multiple procedures is in their best interests.
https://uk.trustpilot.com/review/www.petplan.co.uk