Dog Insurance - Now with picture of Guinness

Dart Vader · Post by **Dart Vader** » Fri Jun 08, 12 10:20 pm

Ok, we may have a new member of the family next week. A two and half year old Labarador called Guinness from the Dogs Trust

My mind has gone numb looking at insurance for him, we need it as we dont have the money reserves if something happens

We hear all sorts of good and bad about various companies

Can I ask what experiance peeps have had and who they would reccommend?

BTW Guinness is jet black, just what Vader needs to dominate the world !!

the bishop · Post by **the bishop** » Fri Jun 08, 12 11:44 pm

Sainsbutys have been good always pay out pronto and offer a good level of cover but get dearer every year and with a £50 excess most of the vet bills seem to come to about £40!

mopar_mark · Post by **mopar_mark** » Fri Jun 08, 12 11:50 pm

We have tried both as in, insure & save . . .

Save has been a winner, just be strict, stick £25 a month away & don't touch it

That's based on 4 dogs, cats over the last 10-15 years

drewcrane · Post by **drewcrane** » Sat Jun 09, 12 1:13 am

Great name "GUINESS"

morgan · Post by **morgan** » Sat Jun 09, 12 4:21 pm

Get insurance. Just had a £1,600 claim on ours. Doesnt bear thinking about the alternative...

Ask your vet - they will tell you which companies pay out cleanly and which ones shaft you.

Dave-R · Post by **Dave-R** » Sat Jun 09, 12 5:50 pm

Yep ask your vet. The cheaper ones tend to have limits such as a max payout or will only cover one condition at a time or only pay for the first few treatments etc.

mopar_mark · Post by **mopar_mark** » Sat Jun 09, 12 8:35 pm

Insurance for 2 Schnausers would of been £40 a month. One of them is now 13, his twin sister other passed away almost 2 years ago. If I take £40 a month over 11 years for the pair & 2 years for one, it equates to £ 6,240.

Vet bills, burial, etc for when she was Ill, came to approx £2,500.

Newest dog Senna has now been with us for nearly 18 months, he had free insurance for 3 months, which was provided by the breeder. Pet insurance to renew would of been £38 a month.

£6,240 +£456 = £6,696, less the £2,500 = £4,196, that's excluding any interest over the last 11 years . . . .

So for us, it works out better to put money aside, than pet insurance. That being said, we are good at not touching & leaving it there for when needed

Dart Vader · Post by **Dart Vader** » Sat Jun 09, 12 11:36 pm

Why wont it accpet my pics ? Its the right file size etc, whats going on?

Adrian Worman · Post by **Adrian Worman** » Sat Jun 09, 12 11:43 pm

I dunno Justin, keep at it I wanna see ya new mate

I bloody love dog, all of em, million times better than people

drewcrane · Post by **drewcrane** » Sun Jun 10, 12 12:07 am

:?:KEEP TRYING we need to see this pup.............

phil442 · Post by **phil442** » Tue Jun 12, 12 1:36 pm

We have been having this same dilemma - to insure or not with Amber (2 year old working cocker spaniel). Think we will go the insure route - we are no good at all at "not touching & leaving it there for when needed". As hopefully puppies will be on the way in a few months, I wondered if anyone knew if any of them covered this.
Also, Morgan, who paid out OK in your case?....cheers.

newport100 · Post by **newport100** » Tue Jun 12, 12 9:50 pm

Get Insured - defo

Specially with a Lab

get a requote every year ( like you would with a car etc)

the bishop · Post by **the bishop** » Tue Jun 12, 12 9:57 pm

Wait until he does a runner in the park late on a friday night.... you runing after him in your black cape shouting.. guinness guinness

gmopar59 · Post by **gmopar59** » Wed Jun 13, 12 10:35 am

just as well it isn't a bitch. may have had to call it Black bush

Dart Vader · Post by **Dart Vader** » Wed Jun 13, 12 3:15 pm

the bishop wrote:Wait until he does a runner in the park late on a friday night.... you runing after him in your black cape shouting.. guinness guinness