Insurance

[Clodagh]

I am thinking about insuring Tawny. We normally do our dogs for two years until they have grown out of eating lego and socks, and then stop.
I would, however, go to great lengths if Tawny needed anything, with provisos (cancer, and would not amputate a limb). There are though lots of mighty expensive injuries and illnesses apart from those two.
She has a long vet history, mainly from working injuries. She had lots of tail problems, but that is now gone; she has also impaled both her stifles and had recurring lameness in her front legs (from sore paws but there were vet visits associated). If they would therefore exclude her legs it would not be worth doing. She has also lots of ear infections! How can I find out what they will accept? Will they need a vet history? That is not a problem except I think I have to pay the vets to produce one! I have never insured an adult dog so not sure how to find out.
Thank you.

 

[Sandstone1]

I think you will find all pre existing conditions would excluded.

 

[MotherOfChickens]

When I switched my old do from KC to Tesco they didn't require a history but did note down the skin allergies as an exclusion.I never did have to claim though so go only knows if they'd have paid up on anything. When I wanted to move Quarrie from Vets Medicover to Petplan, they wanted to exclude anal glands for two years and GI for one year (because he'd had a bout of diarrhoea as a pup). I might still change him this coming year as VM have excluded his anal glands anyway!

could you insure her for injury and have a CC for anything else? might be worth having a chat with a couple of insurers if you can bear it. Tesco customer service has always been good for the pet insurance I've found.

 

[Clodagh]

At the end of the day I could self finance so I might just continue to do that. Insurance is like gambling, perhaps I will save my money. It may well be worth finding out about injury only though, will phone the people that advertise in Shooting Times.

 

[Thistle]

I found Agria (through KC) to accept working dogs on their standard policy, they also give multi dog discounts and gave me a bigger discount by talking to them than they offered online. Only Beans, Toast and Bruce insured. Lily and Barley, I'll pay if I need to! Chances are that Tawny has so much history her premiums would be so expensive that you'd be better off putting a sum in the bank eack month.

 

[Clodagh]

Pen's insurance renewal came up yesterday so I got round to looking into this.
I went through the BASC and they work with Agria. It came out really well, Pen is the same price as Tescos were for next year (£20 a month) and Tawny £27 a month. I have cancelled my RUK sub - I would rather have Tawny! Because of BASC we also get 4 months half price, so really good result.
I told him about the cuts and he said as long as the vet was satisfield they had no long term implications she would be covered there and possibly her ears, as long as the original infection had cleared up. (In practice it never really has so I doubt they would be). I went for a big excess, which helped.