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Harley is insured for four weeks courtesy of the breeder from day of pick up, This was with Petplan and it's due to run out and I want to get it sorted.
I want a policy that will cover Harley for life this means god forbid he got a long term problem like skin problems or asthma etc they wont get to the end of the year when renewel is due and say he is covered but not for those. I know this is going to be more expensive but I would rather be safe than sorry. My friend who is practice manager at my vets has said to also make sure there is a minimum of cover per health problem of at leat £4000.
Petplan has quoted £46 per month which seems excessive and I wondered if anyone would mind telling me who they are with and monthly cost. I also know that increasing the excess will lower the cost.:confused:
I have been looking at Tescos is anyone using them and roughly what are they quoting (i would also get clubcard points) i did a search on confused.com and only got 12 quotes (some the same company just different levels) so only 4 were "for life"
I also wonder if its higher because its a cockapoo (popular at the moment I hate the D....... Dog title and after all it is really just a cross breed) its a minfield.......help! :confused: very :confused:
 

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I have cover with M&S Money, at £16.99 per month
It's M&S Premier cover their life cover, with £7000 per year and a £70 excess per condition claim limit, I don't think you can increase the excess. This is our second year with them it has gone up from the first year but that will happen with all company's. I also got 10% on-line discount on the first years premium.
Never had to claim yet ( touch wood ) but beater to be prepared.
 

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we always took out cover from the day we picked them up so tecknicly they were insured twice so we didnt have to worry about the time laps in staring a new insurance, as a fried in sured her dov but their was a couple of days between the old one ending and the new one starting, the dog needed an op and she wasnt insured yet. same kinda thing happend witb someone els but this was changing to another company, i think ig was a 2week time laps before she was actualy covered and the dog laserated her pay ln glass, the had to remover part of the pad, then she burst her stitches.

i have only had to claime once with morethan but that was 3 years ago i would think they would still be same and pay thd vet direct.

however pet plan have been rwaly good for a friend whos dog waa born without part of his pelvis so it was enevitable he wohld need an operation(the owner is a vet nurse so knew what she was taking on) so whdn she called up she told them he will need and on not might need an opp, most companys will not cover an existing condition. but pet plan have been fab for her.


we are with More Than, have made one claim on Inca when she swalowed a dummy teat and couldnt pass it(this was exactly a week after being spayed) they were very easy just filled out a form at the vets and they delt with thm direct.


vet fees upto £7000
dethfrom injury £600
loss by theft or straying "
advertizing and reward "
kennel fees if owner needs hospital treatment"
pet holiday protection £1250
thrid party liabilaty cover for your dog up to £2 million

Gypsy is almost 5 years old £15.49 a month
Inca is almost 5 years old £15.99 a month(she is the only one we have claimed on for £478.66 about 3 years ago)
Echo is almost 3 years old £13.99 a month
Delta is almost 1 year old £12.?? a month

they all started off about £9 when we first go them but with Delta we descovered that mum had taken out the petsaver cover with her which was different to the others and wasnt life cover. so we canceled that and started a new one which bumped her up emedietly up to £12 something, (still to get her new papper work though)

mum conciderd changing last year but she said when she looked into it, morthan still looked good
 

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we always took out cover from the day we picked them up so tecknicly they were insured twice so we didnt have to worry about the time laps in staring a new insurance, as a fried in sured her dov but their was a couple of days between the old one ending and the new one starting, the dog needed an op and she wasnt insured yet. same kinda thing happend witb someone els but this was changing to another company, i think ig was a 2week time laps before she was actualy covered and the dog laserated her pay ln glass, the had to remover part of the pad, then she burst her stitches.

i have only had to claime once with morethan but that was 3 years ago i would think they would still be same and pay thd vet direct.

however pet plan have been rwaly good for a friend whos dog waa born without part of his pelvis so it was enevitable he wohld need an operation(the owner is a vet nurse so knew what she was taking on) so whdn she called up she told them he will need and on not might need an opp, most companys will not cover an existing condition. but pet plan have been fab for her.


we are with More Than, have made one claim on Inca when she swalowed a dummy teat and couldnt pass it(this was exactly a week after being spayed) they were very easy just filled out a form at the vets and they delt with thm direct.


vet fees upto £7000
dethfrom injury £600
loss by theft or straying "
advertizing and reward "
kennel fees if owner needs hospital treatment"
pet holiday protection £1250
thrid party liabilaty cover for your dog up to £2 million

Gypsy is almost 5 years old £15.49 a month
Inca is almost 5 years old £15.99 a month(she is the only one we have claimed on for £478.66 about 3 years ago)
Echo is almost 3 years old £13.99 a month
Delta is almost 1 year old £12.?? a month

they all started off about £9 when we first go them but with Delta we descovered that mum had taken out the petsaver cover with her which was different to the others and wasnt life cover. so we canceled that and started a new one which bumped her up emedietly up to £12 something, (still to get her new papper work though)

mum conciderd changing last year but she said when she looked into it, morthan still looked good
 

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Wilf s cover with More than is the same as yours but he's nearly 4 and its 17.49 and Im sure will go up soon when its due for re-newal Im going to swap to Vetsmedicover, that was mentioned yesterday 10k per year life time cover for £18 and does nt appear to go up as the dog gets older x
 
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