View Full Version : Pet Insurance...

17th Apr 2004, 13:44
Since I brought Karma home (he is a Japanese Shiba Inu who will be 10 this year, and he came to me at age 4) I have had pet insurance, either with Pet Plan or Direct Line.

Karma had his annual check-up at the vet's the other day and was pronounced very healthy although a tad overweight (winter "coat" yanno!) and this reminded me that it was time for his insurance renewal. When I got home I checked the certificate and found that it had expired a week ago...but I hadn't had any reminder! When I called the company to get this years quote they said "as your dog will be over the age of 10 before the year is out we cannot insure him again" ... I was stunned!

The breed is very healthy with the only remote "hardwired" problem in some cases being slipping knee caps but my dog has never had this problem. The breed lives, on average to about 14 with some reaching a few years beyond that and, for the most part remain agile, fit and active with the typical bursts of energetic zooming occurring less frequently. If I tell you that people meeting him for the first time in parks etc are very surprised when I tell them he is not a puppy or young dog you will have some idea of how good he does look!

So why... when I searched the internet last night could I only get an insurance quote from MoreThan for over 300?

Does anyone know of any other companies that will insure older healthy dogs that are not on any medication and thus far have no chronic conditions?


tony draper
17th Apr 2004, 15:28
Yeh, they are robbing bastards like all insurance companies, they want your money but don't like the idea of actually forking out.
Vet bills can be horrendous now though, one of my lodgers Danny, was taken ill recently his treatment cost us 1500 quid, nearing 2000 now with his medication.
That was just for a three day stay in the vet hosp for tests and diagnosis.
Had small white hound insured since he was seven weeks old.
My nephew didn't get Danny and his sister Penny insured,when they were pups and when he did get round to giving it some thought, they said they were to old at seven to insure.

17th Apr 2004, 16:40

Try Here (http://www.eandl.co.uk/older-dog-cat-insurance.htm) they specialise in insurance for cats and dogs aged over 8 years.

I had a look at my cat's insurers(Sainsburys), the cost for Karma would be around 281 a year. :(

Brian Dixon
17th Apr 2004, 17:11
I used the company in 5th's link for nearly ten years. Had nothing but trouble getting them to cough up.

We eventually had to make that decision with our beloved Springer and had an absolute nightmare with the company. Took over three months to sort the vet bills out - not to mention the additional upset of it all!

Wouldn't recommend them if they were the last company in the universe.

tony draper
17th Apr 2004, 17:27
Being a cynicI find it somewhat ironic that Vets charges have gone up at least tenfold since Pet Insurance became popular,I can't complain about the diagnosis and treament they gave Danny, they saved his life without a doubt, but vet charges have become a mighty rip off.

17th Apr 2004, 18:23
Do not touch EL insurers with a barge pole

They only threatened with court action TV coverage etc finally paid up on an over 10 year policy claiming that it was an elderly dog so they didn't have to pay, even though it was an Elderly dog policy !!!!

My elderly springer spaniel was dying before my eyes and i wanted the best treatment and comfort I could give, not to be worried about paying the bills.

The vets advised me they have more trouble with that company than any and would most categorically never recommend them.

Pet Plan does a policy for elderly dogs, it is expensive but does actually cover them for life.

17th Apr 2004, 19:24
We're on our second Golden Retriever, both insured with Pet Plan. First lived until 13yo and the second is 6. Never ever had a problem - company paid up quickly after each claim without any kind of arguement.

17th Apr 2004, 20:06
Thanks for the replies thus far guys. The company Karma was with last year was Direct Line as their quote had been cheaper than PetPlan who I had been with for previous years.

When I went to the PetPlan website and input Karma's data I got a "We regret we cannot insure dogs if they are eight years old or over" message.

I have just revisited the site and see that PetPlan will only sell new policies to dogs between the ages of 8 weeks and 8 years ... so as I feared, because I went for the cheaper policy last year Karma and I are now locked out :{

Do you think it is worth my calling them as I do have a note of the previous PetPlan policy number? After all they can verify that I have never made any claims for K. I am busy on Monday but will make the call on Tuesday... :ok:

takenthe5th I just went to the Sainsbury site and unfortunately Karma's breed is not listed ... I got a quote for a Japanese "Spit" sicwhich is a totally different dog and that was 481!! I have sent an email asking about a quote for a Japanese Shiba Inu! :ok:

17th Apr 2004, 20:29
No, I couldn't find Karma's breed either, but put in another Japanese dog's breed to get an idea.

It's good I mentioned EL insurers, we have now been warned!
Have you tried asking your vet if he knows of a company that will insure the pooch?

Jelly Baby Freak
19th Apr 2004, 12:11
Good to learn that PetPlan want dogs under 8 yrs old.
My GSD will hit that ripe old age in December.
Currently with DL, so I'll check the policy!
On a 'rip off' whinge, 2 years ago he had to go
and have a wound stiched (silly great s*d thought
that the nice labrador wanted to play, but it
bit his leg instead) decided that whilst under
the very expensive anaesthetic, we'd remove a
couple of benign fatty lumps. Put the claim in
and DL classed the ops as two seperate claims,
so charging me twice the policy excess of 40!:{

27th Apr 2004, 19:28
Just wanted to give you all an update. In the end I have gone for a policy with MoreThan, quite simply because I could obtain an instant quote online for 317...and the policy arrived within four days! So K can have another year of perfect health - 'cos sure as eggs, the year I don't fork out for his insurance is the year I have to meet steep vet bills and now I have a policy he will remain fitter than a butchers dog heheheh :ok:

27th Apr 2004, 22:26
Mr Draper,

Isn't "pet" insurance what many men in your neck of the woods call life assurance on the wife? :suspect:

tony draper
27th Apr 2004, 22:54
Nah, we don't insure wives up here,if one gets broke we just goes out and gets another.

27th Apr 2004, 23:20
You're kidding about the 8 year thing aren't you? I forgot to renew my three cats insurance a couple of months back, and two of them are over 8 years old now.

I'll not be happy if my insurance company turn me down. Will call them tomorrow and find out if this limit applies to cats as well as dogs (lets hope not).

23rd May 2004, 18:21
Coconuts hope your puss-cat is OK - keep us posted!

Wugz as for the "not over 8yrs" thing it would seem that once the dog is insured with PetPlan, between the ages of 8weeks and 8 years then you can keep the policy, renewing it "for life" every year. I guess this makes sense, because then PetPlan can know what claims have/have not been made hence can take a veiw on insuring the older dog. :ok:

25th May 2004, 11:17
Aww, Poor Puss Coco,

I do hope it's nothing too serious.
My previous cat was in a state one morning, very distressed and apeared to be hurt.
I had to take my lunch hour at 9am from work to take him to see the vet.

I too, had thought he had been hit by a car.....turned out he had been badly beaten up by a neighbourhood Tom.
He recovered well after a course of antibiotics.
I hope yours does too. :)

25th May 2004, 21:40
Oh what great news Coco - I am so glad for you! These animals of ours are miraculous - they really just react to how they feel so much better than humans! If we were to have gone through the same traumas as your cat we would be looking all sorry for ourselves and believing ourselves terribly injured! :ok:

Charlie Foxtrot India
26th May 2004, 15:33
When I first got to Aus there was no such thing as pet insurance, which was a big worry as before moving here Jess has already had her life saved several times by Pet Plan. Luckily now there is insurance here, and it has saved us heaps. Last year alone we had one dog with cancer, one with osteomyelitis, and the puppy nearly died from a bee sting to the nose. Doggy oncologists and orthopaedic surgeons don't come cheap! Nor does the local vet "ER". When waiting for Penny's nose to go down from the size of a basketball in the wee small hours, many poor families in the waiting room were in terrible distress when told by the vet how much it was going to cost to save Fido/Tiddles and had to make the decision whether to get a second mortgage or put their loved ones to sleep. With insurance you just say "fix it!" and hand them the claim form. They smile too because then they can zap them with all the most expensive drugs without having to worry about not getting paid.

I think it's all part of being a responsible pet owner.

BTW all three are now in perfect health. It takes a lot more than cancer to finish off an Australian Cattle Dog!

One other thing, when your dog gets a bit old and creaky, Glucosamine does wonders.

26th May 2004, 15:46
One other thing, when your dog gets a bit old and creaky, Glucosamine does wonders.

Also works for humans - allegedly!


(An old scag, no-where near 90 :))