Out of interest and concern can anyone recommend a good insurer for pet dogs as swmbo brought home a 13 week old miniature jack Russell from an animal rescue 2 weeks ago. She's covered by some gratis insurance arranged by the centre but that only lasts for I think 6 weeks so will need to get her covered.
We've been with Petplan for the last 20 years at least - the things to watch out for is that the policy needs to be renewable without any condition restrictions. Some policies will not renew with any prior or existing ailments included. With Petplan (and they are not the cheapest) they cover for life any ailments that occur within the life of the policy. Unfortunately, you are locked in as, if you change insurers, they all refuse to cover any previous conditions or ailments. The premiums go up year on year .. we were paying the better part of £400 a year in the last few years of our last labradors life - we had hardly had a claim up until that point - but treatment in the last couple of years when he contracted cancer far outweighed the premiums we paid.
Our latest policy with them has covered in the last 20 months a small fortune in Vets bills for our present dog - an X ray can cost £800 - any operation- depending on the complexity .. £2000 minimum ! MRI Scan - £1500. Out of hours Vet appointment in our area - £250 to £350 depending on treatment. Veterinary medicines are notoriously expensive ...
You pay an excess on each condition at the start and they payout 80% of all costs. It's all things you have to weigh up - it's a gamble - you bet you get more back than you pay out - the Insurers bet they pay out less than you pay in ! It really is a matter of luck but the policy also covers unexpected death of the dog, third party cover if your dog causes damage and other things.
Most UK Vets recognise Petplan and will deal direct with them over claims so you may not need to pay out and reclaim. We have had good service from them over the years - they pay out claims quickly and do not try to avoid settling legitimate claims.
There is, however, a good case for putting money aside into a money earner of some sort and hoping that you will never need to spend the money you have put aside on Vets bills .... In the immortal words of Dirty Harry 'Do you feel lucky today ?'