pet insurance

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15/02/2011 at 17:54
Yep, I seen that today.
I've been go comparing!
16/02/2011 at 09:57
kittenkat wrote (see)
Wilkie wrote (see)
kittenkat wrote (see)

When we lost our last dog, they wouldn't pay the full price for her death as we had got her spayed. They argued that she was worth less because of that. FFS, how stupid and insensitive.

You had insurance that paid out on the death of your pet?

For accidental death yes, not old age...


I've never had a pet that needed insuring, so no experience of this, but it seems a strange idea to me that you would get a pay-out for the death of your pet.

16/02/2011 at 10:13

I have never bothered with pet insurance.    Yes that means I have been stung a few times with relatively big bills - last and biggest one was £500 when our Staffy had to be put to sleep before Christmas (had a few tests etc first and he was ill on Sunday night so it's £100 just to walk through the door).   That said he was coming on for 16 years old and that was the only medical treatment he'd had apart from puppy vaccinations - to have had him insured all his life would have cost over 4 grand at today's rates.   

As we had two staffies up until a couple of years ago that's 8 grand  over 16 years - we haven't spent a quarter of that in vets bills and to be honest if they had had conditions costing 8k to cure/alleviate I could have lived with myself  having them put to sleep.  

My advice would be if you want the security of knowing you can cover it stick the money in some kind of savings account and 99% of the time you will end up well in profit.   Otherwise you just have to live with the fact that if your pet gets a conditiont that would cost more than you were willing to pay then you would lose it - I think it's more important that you give your pets a good happy life than have the means to keep them alive at all costs.  

16/02/2011 at 10:56

We're in the 'monthly savings scheme' camp too with ours .. although part of the reason for this is that quite a few companies won't insure my little babies due to their 'unknown native bloodlines' and those that will, jack up the premium just because they are big wolfy looking dogs, and are therefore obviously destined to go on a crazed killing spree at some point. (for a small fee I could ask them to do targetted requests when the inevitable rampage happens .. just send photo and current whereabouts of target   ).

We've also been hit by the big vet bill (see other thread) but it just meant we covered it however necessary (no holiday that year!!!).

Also I tend to find that most policies are so wrapped up with caveats and get out clauses that they actually cover very little except for the most serious of cases.

16/02/2011 at 10:57

I weigh up insurance by saying "If the worst happens, can I afford it?". Consequently I don't bother with boiler cover etc.

Could I afford the bill if my dog ran out into the road causing a lorry to swerve into a house? Probably not, hence I get insurance.

16/02/2011 at 11:22

Chubby I think some house insurance policies offer 3rd party liability for pets - not sure if this is universal or not but it wouldn't be worth getting pet insurance just for that eventuality when you could effectively get it for nothing or next to nothing when bundled in with an insurance you may already have.   This came up last year as the Labour govt was talking about making 3rd party insurance for dogs compulsory.

flyaway    pirate
16/02/2011 at 11:50
I've seen some horrific things done to pets in the name of love, because there was the insurance to pay for it. Oh wait, they made a whole TV show about it....
16/02/2011 at 12:13

kittenkat wrote (see)

We were out in the forest the other weekend and came across a family with a chocolate lab, the dog was so fat, it was waddling and wheezing.. and it tried to steal our picnic!

It wasn't an old dog either.

To let a dog get into that shape borders on animal cruetly. Labs are a greedy breed so will never complain about being overfed but the owners need to realise it's not giving them a good quality of life.

16/02/2011 at 12:54
kittenkat wrote (see)

I guess it works on the same principal as other insurance, it's just like life insurance really. Some animals cost a lot of money.

Like these!


Still seems odd - life insurance is about protecting dependents in the event of the main provider being killed, so the kids don't have to starve, isn't it?

I suppose if you are breeding from your animal then its death would mean lost income, but to me it seems strange to get cash for the loss of your much-loved pet.

I know pedigree dogs can cost silly amounts, but £1500 per puppy is just OTT - you could get a new gas boiler for that!

16/02/2011 at 13:05
Wilkie wrote (see)
I know pedigree dogs can cost silly amounts, but £1500 per puppy is just OTT - you could get a new gas boiler for that!

If the puppy is anything like my little darling then it comes fitted with its own industrial scale gas generator as standard anyway            
17/02/2011 at 10:40
Insurance usually covers the cost of replacing the thing that is insured once it breaks/dies. Hence the cost of a new puppy/cat of the same breed (and therefore same price) as the one you lost.
17/02/2011 at 10:50

I have three cats and have never insured them as, like Popsider, the cost of the premium far outweighs the odd visit to the vet to get things sorted out.

Most I have paid in one bill was £250 to have one of my cat's lymph nodes removed and tested when there was a lump. Turned out to be Hodgkin's Lymphoma and she has been fine for the two years since but now she has two lumps and is loosing weight but at 17 I would not consider any more tests or surgery to remove the lumps, I will let her enjoy her last months without enduring that. It's the right thing for her and for me financially.

From talking to other people the cost of vets bills for dogs always seem higher than cats though and my bills never seemed much but then I used to take my cats to a rural practice that was more focused on farm animals

17/02/2011 at 10:53
Personally I wouldn't want any money if my cat dies.....they are not replaceable. Ok, I confess they are my fur babies
17/02/2011 at 11:30
UltraCas wrote (see)

From talking to other people the cost of vets bills for dogs always seem higher than cats though and my bills never seemed much but then I used to take my cats to a rural practice that was more focused on farm animals

One reason I didn't get a big dog was the cost of vets bills - all the medicine dosage is worked out on weight of the animal so stuff like antiobiotics for a 100lb plus dog must be extremely expensive.   God knows what it costs if you own a horse.  
17/02/2011 at 11:40
Hmm I guess that is why cats are cheaper than most dogs then!

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