Dog insurance for older dog

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Billabongchick

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I was wondering if anyone had advice on the best insurers and/or policy type for an ageing Border Collie? He will be 12 soon and in the 7 years I've had him I have never insured him as he is a healthy chap. However after he got the edge of his paw trodden on after he cut the horse up on a narrow path when he stopped to sniff something (luckily just a small skin wound) it got me to thinking I should really insure for accident/3rd party at least should he ever get trodden on. He is not very horse aware in his old age e.g. walks under horses if they are stood still.

Having looked on Which? it said 70% of claims are illness related so now I'm thinking maybe I should do that. Adding illness makes the quotes jump from about £10 to £30 a month though.

Any recommendations or thoughts please?
 
You can insure for public liability/3rd party by joining the Dogs Trust as a supporter for £25pa (similar to being a Gold Member of the BHS) or if you have home insurance you may be already covered if you check your policy. PL would cover you if your dog caused an accident for instance but will not pay any vets bills.

Do check the small print on the policies that you are looking at - they sound far too cheap TBH. Most policies, if they will even accept dogs over 8yo (6 yo in the case of some breeds) as new customers expect you to pay a large percentage (15 - 25%) of the bill as well as very high excesses, £500 in some cases and I'd still expect the monthly premium to be £30+...and that would only be annual rather than lifetime cover.

What companies are you looking at? I'm interested as I have an 11yo JRT that I'd like to insure but when I looked at policies 3 years ago when I got him, the cover was rubbish...
 
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