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Old 07-06-2007, 09:06 AM   #1
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Default Puppy insurance question UK

Hi All

Many apologies if this has been asked before. I've looked around on the forum, and I can't see it posted anywhere.

Basically, we've recently bought a Yorkshire Terrier. She's currently insured through the breeder with the Kennel Club healthcare plan, but this shortly runs out, and so we're shopping around for a long term provider. Having researched a few different companies, I'm not really sure what I should be looking for as priorities (never having owned a dog before). Is there a company which anyone could recommend? My lowest quote has been from Direct Line, and whilst I don't want to pay more than I have to, I also don't want to create a false economy for myself - or indeed, not be in a position to give the puppy the best care possible should the need arise. The difference between the quotes I've seen so far has been quite wide (Pet Plan being by far the most expensive).

I'd be really grateful for any help - and many thanks for all the advice posted elsehwhere, it will come in very handy!

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Old 07-06-2007, 09:09 AM   #2
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Hi Boo...welcome to the forum ...sorry I can't help with the question as I am from the US...but I am sure someone will be along shortly that can help you.....
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Old 07-06-2007, 09:10 AM   #3
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Wow that was quick!! Thank you very much!

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Old 07-06-2007, 09:59 AM   #4
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Hi Boo and welcome from me and my Gang in Scotland.

With the rising cost of vet bills today, unfortunately Insurance has become a necessary evil . Even putting £40 a month away in a savings account would only come to £480 per year plus interest, and vet bills now can go into the Thousands, so it would take a long time to save that sort of amount.

I got a quote from the Kennel Club and Pet Plan but tthey were very expensive for the cover provided.

I was with Marks and Spencers for my two boys but when my enewal came in early last month my premium had doubled. This was for £7,000 life cover, and no excess M & S are I think the only company who do the Nil excess and I have heard that this is stopping.

I had not claimed during the previous year so it was not that that caused this huge increase in my premium. In fact I was told that AXA the underwiters for M & S had reviewed all policies and made the increases.

I switched to more than again £7,000 life cover but I have a £70 excess with them but my premium is only a few pounds more than last years M & S Policy so if you like you can get a quote on line from them just google More Than Pet Insurance. They have three different policies to chose from but I went for the dearest one as it had the life cover and the £7,000.

Let us know what you decide and good luck with our new puppy.
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Old 07-08-2007, 06:51 PM   #5
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Here's an update! As of today, following the very helpful advice above, we have the dog insured through More Than. Their quote was significantly cheaper than any of the others, so many thanks for the tip off - I wouldn't have had them on my list!

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Old 07-09-2007, 08:15 AM   #6
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id go with direct line. id seen the adverts and i was going to get reggie insured with them x

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Old 07-09-2007, 08:45 AM   #7
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We spent quite a lot of time looking around for insurance for our golden pup. We looked at Pet Plan but as has already been stated they are very expensive. My father has his dog insured with them and his dog got his ear caught on some barbed wire. The excess was 80 and as we have a reasonable vet, the treatment came to very little more than that. We also looked at More Than but the excess put us off a bit. We settled on Sainsburys as we found, although not the cheapest, it was definitely the most comprehensive for the price. The excess is 50 below 1000 and 70 above. They give 6500 per condition for the dogs life. Be careful some insurers will only pay for a condition for 12 months. They also told me they wont raise the premium if we have to make a claim. I'll believe that when I see it though!

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