Lifetime dog insurance cover - HotUKDeals
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Lifetime dog insurance cover

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Looking for some pet insurance for a new puppy. I've been looking at insurance and it seems 'lifetime' is best. I can only find three companys who offer this though.. AXA (direct) M&S P…
t0mm Avatar
6y, 6m agoPosted 6 years, 6 months ago
Looking for some pet insurance for a new puppy. I've been looking at insurance and it seems 'lifetime' is best.

I can only find three companys who offer this though..

AXA (direct)
M&S
PetPlan

Does anyone else know any other companys or any other good policys?

Price doesn't really matter just wanting to compare policys.
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t0mm Avatar
6y, 6m agoPosted 6 years, 6 months ago
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#1
My last dog (Jake) was insured with Petplan which was started just before he was eight (due to an incorrect diagnosis which turned out lucky in the end), although they were expensive particularly near the end and were questionable in how they defined new conditions and payment periods, on the whole there were no problems with them and relatively hassle-free as they dealt directly with the practice.

I can't remember who the current pup (Alfie) is insured with (Morethan I think) as he's just on a yearly deal at the moment but perhaps rethinking this - the thinking is at his age he's probably going to have one off issues rather than long term but it's not a good gamble to take. Jake wasn't insured at all until he was just under 8 and that was just by chance as I hadn't realised he wouldn't have been able to take insurance out soon after.

John
#2
option 2 on Sainsburys pet insurance covers for up to £7,500 per condition without time limit providing premiums are paid and up to date, as opposed to Option 1 which covers for up to £3,000 per condition for a maximum of 12 months.We went for option 2. I went through quidco and have just received my £50 cashback.
Hudson is nearly 7 months old and we have paid out nearly £1500 in vet fees due to his illness and Sainsburys have paid out with no problem minus the £75 excess. We also got double nectar points until our first claim,
HTH x
#3
bitseylango
option 2 on Sainsburys pet insurance covers for up to £7,500 per condition without time limit providing premiums are paid and up to date, as opposed to Option 1 which covers for up to £3,000 per condition for a maximum of 12 months.We went for option 2. I went through quidco and have just received my £50 cashback.
Hudson is nearly 7 months old and we have paid out nearly £1500 in vet fees due to his illness and Sainsburys have paid out with no problem minus the £75 excess. We also got double nectar points until our first claim,
HTH x
I wonder if staff get discount :p

(im working in sainsburys arnold atm!)
#4
Thanks for your help John. Morethan seems a good choice.

the PDSA look rather decent too I think.
#5
t0mm
I wonder if staff get discount :p

(im working in sainsburys arnold atm!)


Im always in there, havent seen you yet :)
#6
bitseylango
t0mm
I wonder if staff get discount :p

(im working in sainsburys arnold atm!)


Im always in there, havent seen you yet :)

I'm at work in the morning :p
#7
Have a look at Homebase pet insurance, I moved from M&S to Homebase as they offered really good lifetime cover. Topcashback tracked and paid promptly for the £20 as well.
#8
sickly sweet
Have a look at Homebase pet insurance, I moved from M&S to Homebase as they offered really good lifetime cover. Topcashback tracked and paid promptly for the £20 as well.

I saw homebase early and they gave me a really good quote.
Is it deffo lifetime as in if it gets a certain recurring illness they wont stop paying out when the quota has been reached (in a 12mth period) or whatever that means!
#9
I have always used Pet Plan and have never had a problem with payments being processed or paid. We have had 2 cats treated for cancer, one for FIV and another with a long term kidney problem. As breeders all our kittens are sold with a trial period with Pet Plan. They may be slightly dearer than others, but what is a few pence a month when faced with vet bills in excess of £2000.
#10
t0mm

I'm at work in the morning :p


I may pop down....I will be the crazy little old lady running around shouting THOMAS!!!!!!
#11
bitseylango
t0mm

I'm at work in the morning :p


I may pop down....I will be the crazy little old lady running around shouting THOMAS!!!!!!
I'll be the person shouting SECURITY! :p
#12
t0mm
sickly sweet
Have a look at Homebase pet insurance, I moved from M&S to Homebase as they offered really good lifetime cover. Topcashback tracked and paid promptly for the £20 as well.

I saw homebase early and they gave me a really good quote.
Is it deffo lifetime as in if it gets a certain recurring illness they wont stop paying out when the quota has been reached (in a 12mth period) or whatever that means!


It depends on whether you go for the standard or superior one, if you go for the superior one then yes it's lifetime cover (up to £xxxx every year for as many years as the dog needs treatment) and better than M&S limit-wise (an extra £1k I think) and excess-wise I seem to remember, and better price too, but for me the most important thing was the cover and it's excellent cover underwritten by a big underwriter (can't remember their name) but they are the same underwriter who deal with the Kennel Club pet insurance.
#13
sickly sweet
t0mm
sickly sweet
Have a look at Homebase pet insurance, I moved from M&S to Homebase as they offered really good lifetime cover. Topcashback tracked and paid promptly for the £20 as well.

I saw homebase early and they gave me a really good quote.
Is it deffo lifetime as in if it gets a certain recurring illness they wont stop paying out when the quota has been reached (in a 12mth period) or whatever that means!


It depends on whether you go for the standard or superior one, if you go for the superior one then yes it's lifetime cover (up to £xxxx every year for as many years as the dog needs treatment) and better than M&S limit-wise (an extra £1k I think) and excess-wise I seem to remember, and better price too, but for me the most important thing was the cover and it's excellent cover underwritten by a big underwriter (can't remember their name) but they are the same underwriter who deal with the Kennel Club pet insurance.
Thanks for your help.

I don't know if possible, but could you have a quick look at the PDSA insurance and check if options 2 and 3 seem to have 'lifetime' cover.
I see treatment period is unlimited for all policys but i'm not sure if that's it?

Theyre underwritten by AXA too.
#14
pugw$sh
I have always used Pet Plan and have never had a problem with payments being processed or paid. We have had 2 cats treated for cancer, one for FIV and another with a long term kidney problem. As breeders all our kittens are sold with a trial period with Pet Plan. They may be slightly dearer than others, but what is a few pence a month when faced with vet bills in excess of £2000.

That is the problem with insurance, it's difficult to compare different providers as you don't what the service is going to be like - there's no point saving a few pennies on a cheaper policy only to have problems when actually making a claim. Jake also had a kidney problem which in his case was kidney failure which unfortunately can't be 'fixed', all you can do is make them more comfortable with regular treatment. The money we paid out on insurance for Jake could have probably paid for Jake's treatment without insurance however that would have been the bare minimum to try and keep him going whereas with insurance Jake had the best treatment possible which was extremely expensive. Aside from the questionable excesses at time there was never any issue with getting the money from Petplan which given the state Jake was in at times is definitely something we didn't need.

Once Alfie is a bit older, he'll probably be changed to a Petplan policy.

John
suspended#15
give this one a try, they offer life time cover for the life of the policy/ pet.

the benefit renews every year as well,

http://www.helpucover.co.uk/product/pets/

best to take out the premier cover tbh

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