mse
Member Since: 27 Jun 2005
Location: Shropshire
Posts: 2704
  
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What is going on with this...
When i first had Dog insurance, when it first came out, its was £4 per month and had huge limits lifetime cover etc.
Over years every element of it seems to decrease except the price - im getting quotes mid to north £50pm
Madness Mike
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 16th Jun 2021 7:20 am |
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M3DPO
Member Since: 22 Sep 2010
Location: Notts.
Posts: 8230
 
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It’s not the insurance companies it’s rip off vets, many now won’t even treat large animals they are just interested in the small easy to treat pets.
How does £6000 sound to treat a dogs broken leg?- pay up or have it put down!- thankfully they are not all like it. It can when others can't,
It will when others won't,
It goes where others don't.
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| 16th Jun 2021 7:40 am |
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mse
Member Since: 27 Jun 2005
Location: Shropshire
Posts: 2704
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Our vets are ok...but i do hear what you are saying on that front Mike
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| 16th Jun 2021 8:16 am |
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Minemapper
Member Since: 28 Apr 2021
Location: Yarm
Posts: 92
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When we got our two flatcoats in 2013, I did the calculations on insurance, and worked out that it would end up costing about £2500 per dog, assuming they have about a 10-12 year lifespan.
Decided to gamble on it and put the cash away in a rainy day fund instead. So far we're well ahead, but they are entering old age now, so the chances of a very expensive vet visit are getting higher.
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| 16th Jun 2021 8:37 am |
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LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23830
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My 12 year old whippet is having a tumour removed today. 
Total cost will be £2,545. During his lifetime it has been very much in my favour financially to have had him insured.
A working (part time in his case) running dog is typically more prone to accidents/injuries than many other types of dog though.
I'm with PetPlan, not cheap but claims have always gone smoothly and they settle directly with most veterinary practices. 2006 D3 HSE (Original & still the best)-GONE
2010 D4 HSE (A bit bling)-GONE
2014 D4 HSE (Almost too bling)-GONE
2015 D4 HSE (A heated what?)-GONE
2016 D4 Landmark (Written Off)-GONE
2016 D4 Landmark (Surely the last!) PD1881 rims-GONE
2017 FFRR SDV8 Autobiography (now semi-retired)
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| 16th Jun 2021 9:05 am |
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mse
Member Since: 27 Jun 2005
Location: Shropshire
Posts: 2704
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Mine are p/t working...but equally the public liability cover "interests me" but £50 is excessive
I am getting some better shopping around prices, but not earth shattering. Mike
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| 16th Jun 2021 9:08 am |
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LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23830
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Yes, the liability insurance was essential for my peace of mind. 2006 D3 HSE (Original & still the best)-GONE
2010 D4 HSE (A bit bling)-GONE
2014 D4 HSE (Almost too bling)-GONE
2015 D4 HSE (A heated what?)-GONE
2016 D4 Landmark (Written Off)-GONE
2016 D4 Landmark (Surely the last!) PD1881 rims-GONE
2017 FFRR SDV8 Autobiography (now semi-retired)
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| 16th Jun 2021 9:16 am |
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LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23830
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The problem is most vet bills are excessive and in the litigious society that we live in I wouldn’t be comfortable not being insured.
It was different story 30 years ago.
The dogs age makes a significant difference to the premiums. 2006 D3 HSE (Original & still the best)-GONE
2010 D4 HSE (A bit bling)-GONE
2014 D4 HSE (Almost too bling)-GONE
2015 D4 HSE (A heated what?)-GONE
2016 D4 Landmark (Written Off)-GONE
2016 D4 Landmark (Surely the last!) PD1881 rims-GONE
2017 FFRR SDV8 Autobiography (now semi-retired)
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| 16th Jun 2021 9:29 am |
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icestationzebra
Member Since: 05 Nov 2008
Location: Cheshire
Posts: 597
 
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mse wrote:Mine are p/t working...but equally the public liability cover "interests me" but £50 is excessive
I am getting some better shopping around prices, but not earth shattering.
Think we had this topic a couple of years ago.
We have 2 dogs, we put the insurance cost money away monthly and are members of The Dogs Trust which gives 3rd party liability cover.
https://www.dogstrust.org.uk/get-involved/membership/
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| 16th Jun 2021 10:15 am |
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pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2592
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As above for our old dog. 3rd party via Dogs Trust
Premium would be circa 1k. Probably spent about 3k in the last 3years on vets bills so probably still cheaper then insuring considering the policy excesses
(Young dog is nudging £700 PA and has had nowt wrong so will go down the self insure route when this comes up for renewal)
About £24k sitting in "their" accounts and I have permission from SWMBO to take a contribution for the new P400 on the basis that we pay it back!
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| 16th Jun 2021 10:30 am |
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NoDo$h
Member Since: 02 May 2006
Location: Finding new and exciting ways to milk badgers.
Posts: 19689
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LT wrote:
The dogs age makes a significant difference to the premiums.
Three working dogs - two labs and a springador..... Bankrupting me with premiums, but one barbed wire injury and I'll be very glad for the cover! I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
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| 16th Jun 2021 11:54 am |
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LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23830
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It's a lottery, but with current dog, I've been significantly better off paying the premiums than if I had "self insured".
Same applies for the LR extended warranty, but that's a different story. 2006 D3 HSE (Original & still the best)-GONE
2010 D4 HSE (A bit bling)-GONE
2014 D4 HSE (Almost too bling)-GONE
2015 D4 HSE (A heated what?)-GONE
2016 D4 Landmark (Written Off)-GONE
2016 D4 Landmark (Surely the last!) PD1881 rims-GONE
2017 FFRR SDV8 Autobiography (now semi-retired)
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| 16th Jun 2021 12:15 pm |
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jaqoda
Member Since: 23 Jan 2019
Location: Manchester
Posts: 167
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There are two things - liability and medical insurance
IMO everyone should have liability insurance, any dog can knock over a toddler / granny and knock teeth out, bang their head on a kerb, etc. Easily done, and the insurance through Dogs Trust is so cheap it doesn't make sense not to have it.
Medical insurance is a rip off. But... when our dog swallowed something and needed emergency stomach surgery I was thanking my lucky stars I took out insurance. Depends how much cash you've got in the bank I guess, if I had £10k sitting about I probably wouldn't bother with it. Boughtbymany was the best value I could find.
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| 16th Jun 2021 12:32 pm |
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Scott #55
Member Since: 15 Apr 2015
Location: UK
Posts: 1683
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Our old dog needed emergency surgery one weekend after being very, very ill. She was in the vet hospital for nearly a week. Cost came to £8,500. Fortunately, John Lewis pet insurance covered it.
She died a few months later. We still miss her, but I am secretly glad that the insurance paid for her few months of life - losing almost £10k from our own savings would have been a very sore hit.
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| 16th Jun 2021 7:17 pm |
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RRSTDV8
Member Since: 07 Apr 2014
Location: Here
Posts: 13553
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Worth noting that many pet insurance policies don't cover working dogs. So if yours does work and gets injured doing so, remember that they hurt themselves on a walk.
I'm coming to the opinion that membership of a shooting organisation (or similar) for third party is a good idea, then put premium-level money away each month. Self insure for injuries in effect.
If you think dogs are bad, try horses. Claim on a leg injury and next year that leg isn't insured. Yes, insurance by body part. Visiting from rrsport.co.uk
2012 RRS SDV6
2008 RRS TDV8
"When you fire that first shot, no matter how right you feel, you have no idea who's going to die! You don't know who's children are going to scream and burn. How many hearts will be broken. How many lives shattered. How much blood will spill, until everybody does what they were always going to have to do from the very beginning: SIT DOWN AND TALK!"
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| 16th Jun 2021 7:25 pm |
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