I am also looking into this - we had a special offer initially which has now run out so I'm trying to get a good policy.
I've been quoted £15.90 a month (or £20.53/£39.15 for different types of cover-for-life) from
Petplan. Maximum payments are up to £3000 per condition for 12 months (or up to £4000 a year/£12000 depending on level). The most expensive covered for life policies include things like paying for loss from death/straying, boarding fees, holiday cancellation, which I don't think are really necessary (we have family who will look after him in holidays).
Then there's the
local vet (where Bailey has already been to be microchipped, they seem good) offers £22 a month. No excesses, lifelong cover.
However,
Tesco Pet Insurance offers £6.12 for standard, £8.86 for extra cover, so that's a lot cheaper. Max payments, £2500 or 12 months on standard, £4000 on extra, and it doesn't cover loss/death of dog.
There is a lot of info here:
http://www.moneysavingexpert.com/insurance/cut-pet-insurance-costs
But it is bamboozling me a bit. And the forum discussion seems to involve a lot of dogs with pre-existing conditions or pedigree breeds which have particular health problems that I think may not apply to a cockapoo.
Anyone got any advice or suggestions as to what I should be looking for? Quite broke so trying to keep costs down but obviously want to make sure that Bailey is covered for the future. I'm tempted to go with the vets but then what if they go out of business or something or we move - apparently it can be difficult to get new insurance for an older dog?
