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post #1 of 22 (permalink) Old 09-02-2015, 10:04 Thread Starter
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Pet repatriation

We recently lost our beloved Whippet, Willow. She had Addisons disease and, despite spending over 6,000 on vets' fees, was suffering too much for us to continue putting her through more investigations and treatment.

So, we are now considering a new dog. We have seen a lovely mongrel dog in a local rescue. Because of our experience we are keen to insure him. I know, again from experience, that it must be lifetime cover that is renewed each year. I also like to have cover for complementary treatment so that physio and acupuncture etc are covered.
The best I can come up with, that covers European travel too, is PetPlan. I notice that they also cover emergency repatriation which was a major concern of ours. Of course they are also the most expensive!

Has anyone found one that beats PetPlan? John Lewis run them close but are roughly the same price once the introductory discount is taken into account.
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post #2 of 22 (permalink) Old 09-02-2015, 10:53
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Hi Pat

No concrete advice, but we were with PetPlan. (Past tense)

It all seemed pretty good at first, but when the dog reached about 4 years old the premiums began to rocket upwards - and I don't mean by the fairly moderate amounts one would expect as the dog gets older!!!

I can only offer a caveat, and suggest that you quiz them in some depth, and demand written confirmation of what sort of premium increases to expect as the dog gets older.

They cannot of course be expected to commit themselves to precise figures, but if they are not prepared to give a reasonable percentage estimate I think I would be a little cautious about going further.

Dave
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post #3 of 22 (permalink) Old 09-02-2015, 12:16
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I looked at John Lewis and discovered that their insurance is provided by MORE TH>N, so went directly to them and got a very good deal. They provide lifetime cover so its worth checking them out. I haven't had to call on them yet, fortunately, but they were one of the cheapest when I researched 9 months ago.
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post #4 of 22 (permalink) Old 09-02-2015, 12:19
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I forgot to say that MORE TH>N dont load their premiums until the dog is 9 years old
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post #5 of 22 (permalink) Old 09-02-2015, 12:34
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I put the 'premiums' in a hypothetical biscuit tin that gets raided from time to time

tony

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post #6 of 22 (permalink) Old 09-02-2015, 14:30
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We have used M&S for all our dogs for 15 years . Again its underwritten by MoreThan. With three dogs, 13, 11 and 18 months, I do wonder if we wouldn't be better self insuring. It isn't cheap.
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post #7 of 22 (permalink) Old 09-02-2015, 18:30
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I speak as a retired commercial insurance broker - in nearly 50 years of owning cocker spaniels, two together until a couple of years ago, I have never insured the dogs and despite one of them needing an expensive operation at the Royal Veterinary College I am still quids in when comparing the cost of insurance over the years with what I have saved in premiums.

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post #8 of 22 (permalink) Old 09-02-2015, 19:09
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We have the hound from hell

He is insured with Tesco

We choose a level of 4000 pounds a year

The first year we claimed cost nearer to 6000 pounds

We paid the difference

But then again it's not every year your dogs intestines fall out
Since then we have been well within the limit

We have had no problem with them paying out where needed

But we can fund the difference

Why would we fund the difference ???

For a nightmare hound from hell

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post #9 of 22 (permalink) Old 09-02-2015, 19:38
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we decided last year not to insure both of our dogs and have decided that if anything happens to them we will simply raid the savings and pay up.

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post #10 of 22 (permalink) Old 09-02-2015, 23:08
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I have to agree with what has been said.

We were originally with Pet Plan and when the premiums significantly increased we moved to Tesco. They were fine for a number of years but unsurprisingly hiked their premiums when our westie reached 10 years.

So we cancelled that policy, and when she needs treatment (as she undoubtably will) we will also raid our savings.

John

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