That thing at the end of August

Mine 's been waiting for that thing at the end of June, now I can send both, YIPPEE!

(p2_clap)

Quoted from Bertie

got mine, pop it by on my way to the vets on thurs - we like the vets!!

Your bank balance soon won't

Quoted from Bertie

we like the vets!!

Quoted from Jack Knightmare

Your bank balance soon won't

Thankfully, from another thread............

Quoted from Bumble

I hope you insured him................

Quoted from Bertie

from day 1 oh yes we did - spent a fortune on him to date just going through the claims now!! Hes been expensive but worth it

We were glad (or should that be gald?) that we insured Domino from day 1. He got beaten up by another dog in the park less than 3 months after we got him and the vet's bill came out at around £2000.

who do you use to insure Domino we have a 5 month old jack russell and not sure who to use  

Quoted from tashawick

who do you use to insure Domino we have a 5 month old jack russell and not sure who to use  

Direct Line. They insure all types of Rovers!

We have used them for over 15 years and although not dirt cheap, you can chose the level of cover (go for maximum, think of conditions they might get that could that could be ongoing). More importantly, they pay out when they need to. They have limits they keep to but your vet would have to be charging OTT prices to not meet the criteria. Domino and our cat combined cost us £1 a day between them.

At the age of 4 months, I had JUST insured him and we claimed over £2,000 where his leg was broken in a dog attack and it needed pinning. They also paid £25 a fortnight for over a year for Domino to go "swimming" at Guildford to strengthen his legs.

I have to pay the initial £80 of a claim. Recently he had an anal gland infection which cost £130 to put right. I paid the first £80 but got £50 back and that covered the next 6 weeks insurance so it was worth claiming.

Never under estimate what can go wrong. I use pet insurance more than I do house and car!

Direct line 0845 2468 246

AND get him micro chipped!

Rita and Domino

Direct Line for Snowy, too - what with a misplaced kneecap (£1200), damaged (but thankfully not lost) eye which needs regular checkups (running total £3800), a roll down the stairs (£400) and a persistent allergic reaction which needs persistent medication (running total £600), we've claimed more in vets fees than we're ever going to pay in premiums  

Plus, they're happy for our vets to complete the claim forms if we drop them in. It makes it much easier because the vets know exactly what they've charged and what they can claim for.

They did recently introduce a limit of (IIRC) £60 for blood tests, which was slightly annoying as our typically reasonably priced vets charged £72, but with Snowy's total exceeding £6k @ less than 6 years old, we weren't going to quibble over that £12...

The downside now - and this is the case for any insurance company - is that we can't move from Direct Line as the eye and allergy would not be covered. The excess has recently increased too, as has the premium (30% before haggling - which is always worth doing if you can) but as the excess is per-condition rather than per-claim, we've only had to pay one excess for the eye and one excess or the allergy even though they're ongoing conditions.

Makes me appreciate NHS!

I had Jess insured with Tesco, who paid out the princely sum of £11.66 when I had to have her put to sleep,  After £50 excess, also they do not pay for euthenasia or cremation, also there was the out of hours charge (Sunday evening)  the bill was about £120.  I felt like sending it back and telling them to stick it,  It was an upsetting enough time as it was - that was just insult to injury.  I'll think carefully what to do if I get another pet.

thanks all such a confusing issue over who pays out what and excesses ect.............. dixie is micro chipped already just need to sort ou insurance

when i suss out how to put picture on here will upload one of dixie x

I HATE insurance, it's always weighted against the claimant. And I speak after 36 years working in the financial sector.

Pet insurance, like many, is an annual contract. So if in year 5 you make a claim, then the premium in year 6 will reflect an increased risk - ie. it'll be higher!

For us, year 1 was £17/mth, we made no claim until year 5, by which time it'd increased to £20/mth. Year 8 (now) is nearly £33/mth + a £100 excess and I have to pay 20% of any claim. So, if the dog's medication/vets bill exceed £600, I break even on the premium (still £200 down on the escesses tho)!!


R.