Omega Owners Forum

Chat Area => General Discussion Area => Topic started by: cleggy on 12 January 2014, 20:56:37

Title: Pet Insurance
Post by: cleggy on 12 January 2014, 20:56:37
Time to renew the dogs insurance, and am looking for suggestions as to what to look for in terms of the best options vs cost.
Favourite at the moment is Asda at nearly £20 monthly for maximum benefit cover of £6000 per condition
Title: Re: Pet Insurance
Post by: Entwood on 12 January 2014, 21:18:18
Time to renew the dogs insurance, and am looking for suggestions as to what to look for in terms of the best options vs cost.
Favourite at the moment is Asda at nearly £20 monthly for maximum benefit cover of £6000 per condition

Be a tad careful with that one .. if its the same one I looked at it will give you £6000 per condition in one year .. that condition then becomes "pre-existing" in all future years and is not covered ....

I have "Petplan Classic Cover For Life"  £4000 a year BUT resets each year and the same condition is still covered for the life of the dog £29 a month.

Recent experience is they are fantastic as well .... I hadn't even paid the first premium - although I had the Insurance certificate - when he needed an op on his shoulder .. £325 bill of which I paid £90 ... and they paid the rest direct to the vet without any hassle whatsoever   :y :y
Title: Re: Pet Insurance
Post by: 05omegav6 on 12 January 2014, 22:13:40
We were using Tesco insurance, with good service, but haggled at renewal in late 2012. 2013 renewal was doubled, but was expected... service had been faultless, with several claims, all settled swiftly :y

Renewed with John Lewis, better cover, fewer limitations and still 60% of what our Tescos renewal was :y have yet to make a claim, fortunately, so can't comment on the service, but being John Lewis... :-\
Title: Re: Pet Insurance
Post by: 2boxerdogs on 13 January 2014, 00:01:46
Always been with Petplan (over 30 years ) never had any problems they are not the cheapest, but they are the best , there was an article in one of the papers a couple of years ago & they were right at the top.
Title: Re: Pet Insurance
Post by: Sir Tigger KC on 13 January 2014, 00:29:33
How much does it cost to put a dog down?  ::)
Title: Re: Pet Insurance
Post by: dad1uk on 13 January 2014, 08:00:19
I must agree with the comments for Pet Plan.
They have been brilliant for us with Amber......
About £5000 of claims and still £19  per month.
Title: Re: Pet Insurance
Post by: cleggy on 13 January 2014, 09:09:36
Thank you guys, I am now looking at lifetime cover and Pet Protect at £19.47 a month looks good value.
Title: Re: Pet Insurance
Post by: cam2502 on 13 January 2014, 11:26:39
We are with pet plan, think its around £20 a month. Never needed it so far and touch wood never will, but handy to have.
Title: Re: Pet Insurance
Post by: cleggy on 13 January 2014, 11:33:30
Pet Plan come in at £30 per month for the same cover as Pet Protect :(
Title: Re: Pet Insurance
Post by: Vamps on 13 January 2014, 23:52:39
How much does it cost to put a dog down?  ::)

Till it comes to it..... ::) ::)

Dog was insured for 10 years, now 12 I gave up, paid a fortune for nothing, minor ailments we still had to pay.

The cat was not insured, I always said I would just get it put down... ::) ::) till you end up at the emergency vet, with Miss Vamps, and suddenly the words 'put him out of his misery' turn into 'do what you have to' twice!!!!!!!! friggin cat, cost me a fortune :-X dog is 12 cat is 11, dog keeps having moments but just when we think the end is coming she gets a new lease of life. Bless her she is on borrowed time..... :( :(
Title: Re: Pet Insurance
Post by: Sir Tigger KC on 14 January 2014, 00:33:44
How much does it cost to put a dog down?  ::)

Till it comes to it..... ::) ::)

Dog was insured for 10 years, now 12 I gave up, paid a fortune for nothing, minor ailments we still had to pay.

The cat was not insured, I always said I would just get it put down... ::) ::) till you end up at the emergency vet, with Miss Vamps, and suddenly the words 'put him out of his misery' turn into 'do what you have to' twice!!!!!!!! friggin cat, cost me a fortune :-X dog is 12 cat is 11, dog keeps having moments but just when we think the end is coming she gets a new lease of life. Bless her she is on borrowed time..... :( :(

 ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D

Big mistake taking Miss Vamps to the vets with you!!  ::)
Title: Re: Pet Insurance
Post by: ronnyd on 14 January 2014, 20:35:53
How much does it cost to put a dog down?  ::)
Have a look at the Chevvy Chase film Vacation, he shows you how to do it for free. ::) Good film. :y
Title: Re: Pet Insurance
Post by: MR MISTER on 14 January 2014, 20:48:36
How much does it cost to put a dog down?  ::)
Have a look at the Chevvy Orlando, it's a great car  :y
Yep. :y
Title: Re: Pet Insurance
Post by: ronnyd on 14 January 2014, 20:54:39
How much does it cost to put a dog down?  ::)
Have a look at the Chevvy Orlando, it's a great car  :y
Yep. :y
It,s just another piggin, Daewoo  ::)
Title: Re: Pet Insurance
Post by: Vamps on 14 January 2014, 22:03:18
How much does it cost to put a dog down?  ::)

Till it comes to it..... ::) ::)

Dog was insured for 10 years, now 12 I gave up, paid a fortune for nothing, minor ailments we still had to pay.

The cat was not insured, I always said I would just get it put down... ::) ::) till you end up at the emergency vet, with Miss Vamps, and suddenly the words 'put him out of his misery' turn into 'do what you have to' twice!!!!!!!! friggin cat, cost me a fortune :-X dog is 12 cat is 11, dog keeps having moments but just when we think the end is coming she gets a new lease of life. Bless her she is on borrowed time..... :( :(

 ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D

Big mistake taking Miss Vamps to the vets with you!!  ::)

Indeed it was, but if the same thing happened tomorrow I would struggle to leave her behind, she wouldn't let me go on my own........... ;) ;) ::)
Title: Re: Pet Insurance
Post by: r1 on 18 January 2014, 16:23:03
my dog is 9 years old and only been to the vets for her jabs.
we save 10 a month and but itinto a seprate bank account then when we have a 100 pounds we buy a premium bond so far we have just over 4000 [yeah we missed a few months]
we looked at it like this
we bought  a pedigree dog that dosnt normaly suffer from any heath problems,thats expected to live about 10-12 years
so we gambled that a young dog should have at least 2 years with out anything going wrong so that would be a 1000 pounds we would have towards any bills and we could finace if it was anymore.if the dog was really ill/injured we could always have her but to sleep,harsh I know but at the end of the day its a animal. that would likely need a lot of care that we would not be able to give.
so now we have a big chunk of money and we have had a couple of 50 pound wins as well.mighteven win the big one!!!
Title: Re: Pet Insurance
Post by: 2boxerdogs on 18 January 2014, 21:18:50
All sounds very good, but should you dog slip it's lead  or escape any other way and cause a road traffic accident, it could cost hundred of thousands , so insurance is a better option.
Title: Re: Pet Insurance
Post by: 2boxerdogs on 18 January 2014, 21:39:20
my dog is 9 years old and only been to the vets for her jabs.
we save 10 a month and but itinto a seprate bank account then when we have a 100 pounds we buy a premium bond so far we have just over 4000 [yeah we missed a few months]
we looked at it like this
we bought  a pedigree dog that dosnt normaly suffer from any heath problems,thats expected to live about 10-12 years
so we gambled that a young dog should have at least 2 years with out anything going wrong so that would be a 1000 pounds we would have towards any bills and we could finace if it was anymore.if the dog was really ill/injured we could always have her but to sleep,harsh I know but at the end of the day its a animal. that would likely need a lot of care that we would not be able to give.
so now we have a big chunk of money and we have had a couple of 50 pound wins as well.mighteven win the big one!!!
  Nine  years is 108 months which equates to £1080.00 !!
Title: Re: Pet Insurance
Post by: MR MISTER on 18 January 2014, 21:43:25
my dog is 9 years old and only been to the vets for her jabs.
we save 10 a month and but itinto a seprate bank account then when we have a 100 pounds we buy a premium bond so far we have just over 4000 [yeah we missed a few months]
we looked at it like this
we bought  a pedigree dog that dosnt normaly suffer from any heath problems,thats expected to live about 10-12 years
so we gambled that a young dog should have at least 2 years with out anything going wrong so that would be a 1000 pounds we would have towards any bills and we could finace if it was anymore.if the dog was really ill/injured we could always have her but to sleep,harsh I know but at the end of the day its a animal. that would likely need a lot of care that we would not be able to give.
so now we have a big chunk of money and we have had a couple of 50 pound wins as well.mighteven win the big one!!!
  Nine  years is 108 months which equates to £1080.00 !!
Yes, and after two years it would be £240. Still....as the dog proved to be a healthy beast...a profit nonetheless. ;D
Title: Re: Pet Insurance
Post by: 2boxerdogs on 18 January 2014, 21:49:59
No  profit , just poor maths & not a very forward thinking owner .
Title: Re: Pet Insurance
Post by: MR MISTER on 18 January 2014, 21:51:17
No  profit , just poor maths & not a very forward thinking owner .
A saving then.
Title: Re: Pet Insurance
Post by: r1 on 19 January 2014, 12:35:28
oops
spoke to the wife after posting and said do you know we have enough money in the dog fund for a good holiday
no she said we would have if you had payed 10 a week like you said you where going to but YOU changed it to 10per month  :-[