please help, advice needed

Subject: please help, advice needed Mon Nov 14, 2011 6:28 pm

hi guys, as most of you know I now have 7 dogs

Sadie, rough collie, 10 years old
Casper rough collie, 10 years old
Jack, rough collie8 years old
Rory, gsd, 6years old
Sacha, gsd 5 years old
Cassie, rough collie, 5 years old
Archie, shetland sheepdog, 3 years old

they are all insured with direct line

all are insured for £6000, which is per illness with no time restrictions, in other words, if one got an ongoing illness they would be insured till the £6000 limit had been reached, but if they, for eg, needed surgery for something completely different, this would be seperate and I would still be able to claim with a new £6000

are you still with me???
this policy costs me £223 a month for all 7 dogs

today I rang Pets at home insurance

to insure all my dogs for £4000 per illness per yearthis would cost me £148 per month
in other words, the £4000 is every year so as long as I dont reach that limit, per dog per illness it will start up again every 12 months, all the dogs woulkd be insured for every eventuallity for £4000 per year for life.

too good to be true??? course it is.

the down side is.... once a dog reaches 6 years of age, I would have to pay the excess plus 15% of the vet fees... bummer. but the policy is much better and £70 a month cheaper.

so guys, I haven't got a crystal ball, so what do you think,

does anyone use pets at home insurance? which do you think is best?
I really need your input please

Subject: Re: please help, advice needed Mon Nov 14, 2011 6:30 pm

if it was me hun .... i would go with pets at home insurance please help, advice needed 910222

is this definately the cheapest please help, advice needed 300576

Subject: Re: please help, advice needed Mon Nov 14, 2011 7:08 pm

marley is with pet plan but i cant move him because of existing conditions and thats £40 a month and £90 excess. Kala is with more than hers is £18 a month its £80 excess and 10 percent of vet costs until she is 8 then its 20 percent but i think its the better deal. I would go with pets at home hilary please help, advice needed 805515

Subject: Re: please help, advice needed Mon Nov 14, 2011 10:35 pm

Mine are with esure Mickey is £10 per month and Keira is £17 or £18 but i have had a claim on Keiras when she was 18months old I found the policy on a compare website a few years ago Mojo was insured aswell and they have recently paid out on that for the vetcare she had please help, advice needed 300576

cant remember what the excess is but think its below £100
If i was you id shop around please help, advice needed 910222

Subject: Re: please help, advice needed Tue Nov 15, 2011 6:04 am

i have pet_insurance for mine , lifetime cover up to £5000 per condition , and i pay £13 .50 for each dog , but if you get multi quote it works out cheaper,
http://www.pet-insurance.co.uk/

Subject: Re: please help, advice needed Tue Nov 15, 2011 2:00 pm

I'm with them as well sue.

Subject: Re: please help, advice needed Tue Nov 15, 2011 4:21 pm

I dunno hun xx

Subject: Re: please help, advice needed Tue Nov 15, 2011 9:21 pm

i have my lot with pet insurance.co.uk like sue & Lorz.
Just be careful Hilary if you have had to claim for any of the dogs in the past, as any new insurance company will not include cover for that previous problem. So it maybe worth considering staying with that insurance company for said dog. and maybe looking at cheaper insurance for others (just a thought).

Subject: Re: please help, advice needed Tue Nov 15, 2011 9:29 pm

Sorry not much help from this end Craig has dealt with all Caius' insurance and we don't have Brogan insured please help, advice needed 2454432500

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