Insurance?

Lintel

Lintel

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We have never insured our wee terriers other than for accident but I'm seriously thinking about insuring new puppy GSD. He is pedigree but neither mum or dad were hipscored etc but had no issues themselves.
I worry that perhaps I should insure him from a "hip" point of view as I have no idea how much surgery etc etc would cost for such a thing! Or should I just stick to saving every month for the possibility?(I now do this with the ponies are it was RIDICULOUS to insure them this year and they are both getting older.)

Thanks all!- if you are insured and you wouldn't mind would you let me know who with? How much? What for?
A thank you from "oh fluffy one" too!
 
Our 10 month old terrier is insured with PetPlan on a lifetime policy, limited to 5K per year (so, their middle option) and at the moment it costs GBP25 per month. I'll see how many years we can go for before it starts to cost silly money, at which point he will hopefully have developed no nasty conditions and maybe we can drop onto a non lifetime policy. Having thought it through, I think the value in a lifetime policy comes when your dog develops diabetes, or dodgy hips, or similar. Trouble is, that will probably happen when he's old, by which point we probably won't be paying the enormous monthly premiums anyway. However if you are concerned that that yours may develop hip issues, then it's probably* worth it. Hope that helps a little bit!

*or perhaps I should say "maybe"!

Edited to say, he's gorgeous by the way. Those huge fluffy ears!
 
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I am in exactly the same position except my GSD pup arrives on Sunday. Parents are health tested etc but I am going to insure with Petplan for the lifetime part. My horses are not insured but I know precisely what I would do if they are ill which for some of the older ones would be PTS, plus they are not mobile as a dog is so I don't consider it worth insuring.
I have never insured my previous BC's. I think it worthwhile insuring the shepherd certainly for a couple of years. Partly until I see what sort of dog he is ie one that want's to live permanently at the vet's or the sort that never needs to see a vet.
I feel there is so much that can go wrong and with a young dog I would want to take him anywhere possible to be treated or tested etc if it were necessary. I think may be different with an older animal as you may place more restrictions on what treatment you would want to put older pet through.

From what I have read dog surgery/testing etc is VERY expensive. I could afford to pay for surgery if it was needed but even so I think it may be cost effective to insure, at least for a while
 
I think you would need to save a lot to cover new hips and elbows, I would guess £5000 each joint? (Only from watching the odd supervet!).
OP - can I ask why no health tests and did that not worry you. I always bang on endlessly about them but actually have just bought a spaniel pup from an untested bitch. She wasn't a lot cheaper either! Fingers crossed.
 
Clodagh said:
I think you would need to save a lot to cover new hips and elbows, I would guess £5000 each joint? (Only from watching the odd supervet!).
OP - can I ask why no health tests and did that not worry you. I always bang on endlessly about them but actually have just bought a spaniel pup from an untested bitch. She wasn't a lot cheaper either! Fingers crossed.
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He is just a family pet and we wanted to get him somewhere local and at a specific time(when we were off work)and he ticked the boxes. Along with being able to view both parents.
Our local trusty breeder didn't have anything till spring. I think it's just your luck with health right enough! Good Luck with your bitch.
 
I was coming on to ask the same question, but about my two mongrels! They’re currently costing me £50 a month to insure and I’m thinking of getting public liability and then just saving. They’re both currently in great health, and if there was an accident we could access savings to pay (though it would hurt!). It just feels like a scary thing to not insure them!
 
I just have my dogs insured for accident only. I have a 5yo JRT and a 13yo lab, if my lab became seriously ill i would have him PTS and we have access to other money to pay if my JRT became ill. I did insure my terrier when she was a pup, but cancelled it a couple of years ago as 'touch wood' she is very resilient and very hardy. However if I had a breed of dog that was a higher risk of having breed specific issues that could ultimately cost a lot of money I would definitely insure.
 
Widgeon said:
Our 10 month old terrier is insured with PetPlan on a lifetime policy, limited to 5K per year (so, their middle option) and at the moment it costs GBP25 per month. I'll see how many years we can go for before it starts to cost silly money, at which point he will hopefully have developed no nasty conditions and maybe we can drop onto a non lifetime policy. Having thought it through, I think the value in a lifetime policy comes when your dog develops diabetes, or dodgy hips, or similar. Trouble is, that will probably happen when he's old, by which point we probably won't be paying the enormous monthly premiums anyway. However if you are concerned that that yours may develop hip issues, then it's probably* worth it. Hope that helps a little bit!

*or perhaps I should say "maybe"!

Edited to say, he's gorgeous by the way. Those huge fluffy ears!
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i have done the same and insured my pup when he was 3 months old and also have the lifetime cover. i took out insurance as he eats absolutely everything and once he is over this(if ever!!) i will re consider and maybe put the money away monthly instead. at least i know that if he need emergency surgery i wont have to use my credit card.
 
Awww, just want to bury your head in those luscious ears! :)

I'm currently with Tesco Insurance on a lifetime policy paying £7.5k per year. Cost for my dog (5.6kg mixed breed) is £10.50 per month with a £100 excess. Of course, I don't know how good they are at paying out as I've not claimed on this policy or any previous policy.

I went with what my "proper old school" vet said when he went for his first jabs. If a claim came in at over £7k per year (for him), you'd wonder if it was fair to the dog to put it through the treatment. Would prob be more for yours as he's going to be bigger... a lot bigger :)
 
Thanks all! He has now started "supermanning" from the top of the muckheap... I thought to myself "yes" you are getting insured!!
 
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