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Discussion Starter · #1 ·
Morning :)

Our darling Archie came with 4 weeks free pet insurance, this has now run out and I'm looking for advice on which is the best company for insurance.

We'd like to get a lifetime cover policy and have no loyalty to any particular company, he came with Petplan - are they good?

Any advice or suggestions you have are always greatly appreciated :)

x
 

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Petplan are renowned as being the best, but also probably the most expensive! If money is no object, I'd go for them. The quotes you get depend on where you live - in my area they are really high. Some people have gone for Vets Medicover which seems to be a set price for everyone and quite reasonable. Others find that MoreThan, Tesco, M&S or others work out cheaper for their area. Best to just shop around and see what quotes you get.
 

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One of my friend's has Petplan and is having specialist physio for her dog at Great Ormond St and they have been paying out well so I went with them, but I was talking to another friend yesterday who has had some £3000 bills lately and she is with Sainsburys and they have had no issues paying up either.
 

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You need to look for the following in pet insurance

Life Time Cover
Continued Illness Cover (can't remember the exact wording), but basically some pet insurance companies are only paying out on an illness up to a set value, ie £4K and this is not yearly but over the lifetime of the dog. I think this is fairly new so watch out for it, you definitely don't want it.

I went with VetsMediCover, its £21 per month and should never increase regardless of age of dog
£10K medical cover per year

http://www.vetsmedicover.co.uk/home/

Fortunately I haven't had to make a claim, but I do like their policy.
 

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I work in insurance (not in relation to pet insurance sadly) and have seen many instances where customers look solely at the price, but not at the terms of the policy being offered or the service that an insurance company can offer, so it's refreshing to hear that you're focussing on all aspects of the policy and asking for feedback.
I'll be looking to buy insurance too in the near future and so I'll be keeping a close eye on which companies receive good feedback, and more importantly details of any companies to avoid.
Jon
 

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I'm with Sainsbury's - about £14 per month and a life time policy for continuing illness/injury for up to £7000 and double nectar points for 2 years. I looked around a lot and read all the small print plus I have a friend who took out a policy for her cat and they were very good paying out when she got knocked by a car - she's completely healthy again now! I always think public liability is worth having too!
 

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Our cat is insured with Sainsbury's too. Costs around £9 a month but assume a cat insurance is cheaper than dog insurance (see Claire's post above). We haven't had to make a claim yet, touch wood.

I just did a Google search and found this thread on Money Saving Expert, quite interesting...

http://www.moneysavingexpert.com/insurance/cut-pet-insurance-costs

Turi x
 

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Ok, I logged onto ‘Which’ and below are their top-rated pet insurance policies. They’re all lifetime cover.

John Lewis
Vet fee cover £10,000
Policy score 89%
Annual premium (cross breed) £192
Excess £75
Annual premium (pedigree) £286

Homebase Platinum
Vet fee cover £7500
Policy score 87%
Annual premium (cross breed) £192
Excess £75
Annual premium (pedigree) £343

Argos Platinum
Vet fee cover £7000
Policy score 85%
Annual premium (cross breed) £306
Excess £65
Annual premium (pedigree) £329

Petplan Ultimate
Vet fee cover £12,000
Policy score 81%
Annual premium (cross breed) £382
Excess £75
Annual premium (pedigree) £382

I assume a Cockapoo would be classed as a cross-breed?

I hope this helps!

Turi x
 

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Hi - we did Billy's insurance a few weeks ago and after much research went with John Lewis which is lifetime cover, up to 7,000 cover and quite alot of extras for £14.70 per month. Obviously haven't claimed yet so can't comment but I know you can have them pay the vet direct.
Try using a comparison site for prices and then compare the policy's.
X
 

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We chose 'Pets at Home' in the end, 'Life Time Extra' £9000 per condition, lots of benefits, £14.20 per month. Have a look on their web site:)
 

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I went for the John Lewis one which was great value and cover. Petplan was no good for me as it did not provide cover for when I was working as a childminder. The same would apply for any homeworking so please check that if you are self employed and have visitors to your home. :)
 

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I went for the John Lewis one which was great value and cover. Petplan was no good for me as it did not provide cover for when I was working as a childminder. The same would apply for any homeworking so please check that if you are self employed and have visitors to your home. :)

Good advice concerning self-employment but naughty girl for being on here- now back to revising. :p
 

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Good to read that people are taking the insurance seriously. You never think you are going to need it and then all of sudden something happens :(

I have Argos Platinum and very glad too as I din't need to worry about the cost of any of Obi's recent treatment which was very expensive!
 

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Discussion Starter · #15 ·
WOWSERS!!! Some really great responses, I knew I could rely on you lot for some fab advice!

Me and my husband will ponder these options and come up with the best possible cover for our little tyke :)
 

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How strange as soon as I ve posted that and scrolled up... its come up in the google advert box at the top of the page :eek:
 
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