Do you have insurance for your pet?

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Your dog or cat is a member of your family and keeping them healthy is a priority, but escalating costs of veterinary care and expensive options for treatment may mean pet health insurance is a viable option. 

Choosing whether or not to buy pet insurance can be challenging.  With so many policies available and the cost, as with humans, is based on the age of your animal and the cover you want, it’s a tricky decision to make.

And then there is the excess to consider and some policies require you to pay a percentage of the treatment as well. And as for pre-existing conditions … if you take out a policy for your pet when they are an adult, you need to consider any previous visits to the vets, as these may well be included in pre-existing conditions.

If you ask ten different pet owners their opinion on pet insurance, you will likely get ten different answers, ranging from “It saved my dog’s life” to “Pet insurance is a scam”.

What is your experience of pet insurance.  Do you have it insurance for your pet?   Have you made a claim?  Did it meet your expectations? Why have you chosen not to buy it?

Do you have insurance for your pet?

352 people have already voted, what's your opinion? Yes No

What are your views?

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banjo
22nd Apr 2015
0
Thanks for voting!
I have just recently taken a rescue dog on
a Jack Russell trying for insurance there is always an excesses for vets fees. is every insurance the same if you go for a problem say upset stomach do you have to pay for the visit & the medicine if it is required?
blackdog2
15th Mar 2015
0
Thanks for voting!
Always have male black labradors that are KC registered but over their lifetime insurance is ridiculously expensive, I have always believed that to keep an animal it is my duty to provide for him in all ways otherwise I should not have one. I have found it cheaper this way but my last dog sadly cost me dearly when it came to trying to save his life but in return for their undying affection I would pay anything for their wellbeing. My privilege and pleasure.
nagonthenet
2nd Mar 2015
2
Thanks for voting!
Insurance for pets has put up vets fees.
BillyH
23rd Feb 2015
3
Thanks for voting!
Simply don't have any pet, but would definitely have to to ensure coverage for Vet fees.
Crampsie
21st Feb 2015
4
Thanks for voting!
We got argos platinum insurance for our four year old husky , thank goodness we did, she got a seed embedded in her eye and had to be operates on to get it out, she damaged her foot and was in plaster for weeks , then the the latest thing she did was her cruciate ligament , and the op, plus meds etc was £3500 roughly , I would not have been able to find that . Don't care to think what would have happened! They are really good argos , if anyone is looking at them they've always paid up promptly.
chalkysenior
21st Feb 2015
3
Thanks for voting!
I have had dogs all my life and feel it is a MUST. My Whippet who is 7 recently got a little bit of grass in his paw. It took 3 weeks, 2 lots of anti-biotics & 4 or 5 visits to the vet! Thank goodness for pet insurance as my pension would not have paid half of the cost!!
peter3
20th Feb 2015
2
Thanks for voting!
Insurence is a must, you do not know what is around the corner,I have a beautiful English setter and for the 1st year of her life we were back and forwards with tummy problems which if we had not been covered the vet bill would have been very expensive.TIlly is now a heathy dog.
mac1955
20th Feb 2015
3
Thanks for voting!
I'd love to have it but the expense for three dogs means it's unaffordable. I have to hope that none of my boys take seriously ill or are injured!
chalkysenior
21st Feb 2015
3
Thanks for voting!
Would you not be able to get a reduction for numbers 2 & 3? I have only had 1 dog at a time. My son & daughter in law have 2 dogs. I gave them pet insurance as Christmas & birthday presents.
Nana Carol
20th Feb 2015
3
Thanks for voting!
I have never had pet insurance, all I have is a health Pet Plan from the Vet, covers things like yearly jab, worming and flea treatment etc.but have noticed that it costs more and vocers less now. Vet told me I'd be better off putting the money towards insurance for him, was told John Lewis was good value for money, does any other member use them ?
Wilf
20th Feb 2015
3
Thanks for voting!
Yes always...Pets are so special and we need to look after them. Our dogs have always been very special and we insure them so we can always be sure we can afford the vets
Gill Heath
20th Feb 2015
3
Thanks for voting!
My dear old cat of 15 years developed thyroid trouble and eventually had an operation which was happily successful. The cost was mostly met by my pet insurance otherwise the options would have been beyond my means. We had about an extra 3 years together that we might not have had without this treatment. Sadly I lost her last October. She was knocked over and died from her injuries. I miss her terribly. By having pet insurance I never had to worry about vet bills and she benefited from her vets care throughout her life and I had the comfort of knowing that I could provide whatever her vet advised to keep her happy and healthy. I still have a 1 cat of 7years and he is insured as well so the same applies to him. These days I consider pet insurance an absolute must to cover rising vet costs although years ago it was perhaps not so necessary.
HJR58
20th Feb 2015
3
Thanks for voting!
Yes we do. With two dogs, a serious illness or accident could be very expensive. I shopped around and got a good deal for both dogs from M&S for less than we were paying for one.
it is personal choice, and not cheap but the thought of not being able to afford treatment for either of them terrifies me!
jackiejo
20th Feb 2015
3
Thanks for voting!
I do have pet insurance but find it very expensive. As you get older it nice to have a pet that you have the time to go for walks etc rather than be working but the cost of insurance which is needed incase something unexpected happens is far to expensive for many.
Putty
20th Feb 2015
5
Thanks for voting!
I do, but the cover levels as they get older go down and the excess is astronomical. Same as Health Insurance for people, when you really need it you can't afford it
Baxi
20th Feb 2015
3
Thanks for voting!
Yes, I do and it's been great as I've been covered for a couple of little accidents my Springer Spaniel has had. He's lovely, but wild!
Munsterlander
20th Feb 2015
5
Thanks for voting!
Its a must to have pet insurance. My hound was taken very ill one evening with an adder bite. He received world class care, he even had a vet with him all night. The cost was astronomical, but I still have my hound and the insurance company took care of everything.

Its great piece of mind and its only the cost of a pint a day. Not to much to ask, for looking after your best mate!
Archiebald
20th Feb 2015
5
Thanks for voting!
What a lovely comment
Heddfron
20th Feb 2015
4
Thanks for voting!
My 10 year old Yorkie is diabetic and needs daily medication for the rest of her life. She went blind over a year ago and had an operation to restore her sight last year. This was all covered by her insurance which gets more and more expensive every year. Just hope I can continue paying it.
Sapphire
19th Feb 2015
3
Thanks for voting!
I always have insurance but as my cat was 15yrs old I had to pay , £200 on excess for treatment. Then he died a week later as tests took too long. With my new cat she has insurance too. I find it reasonable to begin with and disgusting price when our little family gets old.
Robbinn
19th Feb 2015
3
Thanks for voting!
Fifteen years ago I had three large dogs and three cats and all were insured but over recent years the cost of the premiums has escalated so much that we now no longer insure our animals. (No dogs now, just three other cats). It is not too bad when they are young but premiums rise so quickly and any problem won't be covered if you try and change insurers. One of my cats cannot be inoculated so insurers don't want to touch her; my oldest cat has regular treatment which we pay for and we now "pay as we go" on all of them.
Our own vet does a form of insurance but we don't use it. Many of the visits to our vet would not be covered on any insurance ie dental, de-matting (an unfortunate frequent occurrence with two of our cats because of their dense undercoat) and nail trimming ( I could do this myself but prefer the nurse to do it whilst I hold them).
Having animals these days is quite an expense and should not be undertaken lightly.
Archiebald
19th Feb 2015
3
Thanks for voting!
Yes always. The only issue we have found with our dogs as they get older it becomes more expensive and typical insurance companies find more "get out" clauses. Our last dog in the end we did not insure as he was very old and it was incredibly expensive so we made the decision to pay for vets bills if and when they happened.

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