Dog insurance - Vets Fees

chickeninabun

chickeninabun

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Yorkshire
www.wix.com
Am renewing my dogs insurance. My monthly installment has gone up from £12 the first year, £15 last year and now they want over £19. I haven't claimed for anything.

I have found another quote for £15 a month but it only has £2000 of vets fees, current policy has £7000. Will £2k be enough?:confused:

Plus new one is with someone I haven't heard of (the green insurance co) whilst currently one is with More Than.

Any advice? :)
 
Im afraid in this day and age 2k is unlikely to touch the sides in many conditions. I've just reduced my policy for my rottie as it came in at £85 per month! That was 13k per year, then it was standard plan 6k and budget 4k. Theres no way i was even prepared to drop to 4k, i went for standard plan but that leaves me feeling slightly nervous. Her ruptured cruciate cost £2300 but then i had all the ongoing treatment too - anti-inflammatories and joint supplements. xxxx I find you pay for what you get so dont look for the cheapestlook for value for money. Lifetime policy with a decent amount of vets fee cover. xx
 
Those premium rises sound similar to what our policy has gone up over the years with NFU, as the dog ages the risk increases i guess, but i don't think it matters so much if you've claimed or not as sure its done by group. To be honest £4 a month extra for £5k more cover seems better value to me, certainly have to pay more if you then need to borrow that sum.
 
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Out of the blue, my dog became ill just over a week ago with a stomach impaction which required surgery. She then developed septic peritonitis and a whole load of complications, and has spent a week in critical care at RVC. My £7000 cover has been entirely swallowed up, I couldn't believe it. However, she is still here, recovering slowly, which she wouldn't have been without the referral.

My horse vet bills have been high in the past but never this high. There's a tendency to think small animals mean smaller bills, but that's definitely not the case, and it would be awful to have to give up on a dog if the money should run out. So I definitely recommend the higher amount of cover. With hindsight I would opt for even more than £7000.
 
it really depends what you will put your dog through - tbh i'd not spend that much on one of my dogs :o for an active gun dog to go through anything where they are inactive for any length of time i think it would break them mentally before it would cure them physically
 
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