Dog insurance 2010 : HOW much???

[bunn]

 Just got Mollydog's medical insurance renewal reminder.  Last year it was £312 : this year she was 11 years old in September - and it's £622.10!   That's more than my car insurance!  

Comments

[lil_shepherd]

Trouble is, of course, that you've also got to have third party cover, which you don't with the cats. Our eight cats, all except three over six years old cost us a total of £1200 last year (which we pay in instalments, but we have had all of that back for the last three years...

I expect when our appalling terrier gets to that age he will cost us that much, and we will pay it in case he kills or bites someone or something. (We're with Pet Plan and have never had any hassle with them.)

[bunn]

If you just want third party it's a lot cheaper : it's often included in house insurance. It's the medical insurance that is the pricy bit.

[lil_shepherd]

Yeah, but the difference is often third party - which is certainly not on our household insurance. It's bad enough having a hundred thousand contents on the basis of the electronics, books, CDs, DVDs and artwork. That's just replacement.

[bunn]

If third party dog cover is not on your house insurance, then join the Dogs Trust. 20 quid a year for 'third party insurance - up to £1,000,000 cover per claim if your dog causes damage or injury to another person their property or pets.'

There are other cheap third party liability only policies out there, but that one is pretty good and benefits a worthy cause.

Petplan are an excellent provider, but I wouldnt' buy a medical insurance policy if all I wanted was third party.

[lil_shepherd]

We've been members of the Dogs Trust on and off but nowadays are members of Wood Green. One thousand is nothing nowadays - if a dog causes a car crash and loss of life, or damage to farm animals it can run to many thousands, as can a bite to a child.

The cat insurance, taken out many years ago, has been an absolute godsend over the last few years.

[bunn]

I think you have misread my comment. The Dogs Trust liability cover is one million per claim, not one thousand. One thousand wouldn't be much use, I agree: even a fight with another dog could be that much if you were unlucky (probably if your dog bit a sighthound: they tear... ).

I've never been a DT member (not for any particular reason, it's just I've never adopted from them and tend to end up donating to rescues run on a shoestring by people I know) but will probably join for the cover if I decide not to renew Moll's policy.