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AT
30th September 2008, 09:03 PM
I was wondering if it was worth taking insurence out on my 6 year old cavalier & if so which company have you found to be good . I'm a bit warey of ringing company's up & asking if they cover certain things such as mri incase they press the magic button on their keyboard & increase the price ,lol

My other two dogs have been to the vets with health problems so I dont think its worth insuring them . But this one has only been for a bad tummy & vaccinations

Brian M
30th September 2008, 10:30 PM
Hi

Just checked all that the critical thing is cover for life for any one illness and i still think theres only one and thats Petplan i have 3 cavs and 2 cats the cavs i think are about £24 moth for a benefit for life per condition of £400 i think all in it costs me a year for all close to £1400.
Good luck but it must be for life not time limited or amount limited

*Pauline*
30th September 2008, 11:24 PM
AXA by far is the best. They pay out up to £7000 every year for the duration of that illness. Many only pay for the first year of the condition. The excess is £50, many others are £70. They are the cheapest I found too and they told me today that they would pay for Dylan's MRI which will cost £1300-£1500.

Mine cost £182.54. Each postal area has it's own price depending on vets prices in that area and I live in a very expensive area.

Alison_Leighfield
1st October 2008, 07:51 AM
AXA again here as well for all five, they cover from any age and rescues, excellent cover. Get a quote online with instant cover.

Alison.

Brian M
1st October 2008, 09:42 AM
Hi
You have got me thinking i only renewed 7 days ago so i could cancel ad get a refund ,you def think its as good if noy better than Petplan.

*Pauline*
1st October 2008, 12:04 PM
Hi
You have got me thinking i only renewed 7 days ago so i could cancel ad get a refund ,you def think its as good if noy better than Petplan.

Brian I'm sure I tried to convince you ages ago icon_whistling

Brian M
1st October 2008, 01:30 PM
Hi

Sorry I doubted you.:bang::flwr:

*Pauline*
1st October 2008, 02:27 PM
:lol: Thanks for the flower! Like say to my kids, "I can't help it if I'm always right!!:rolleyes:

Alison_Leighfield
1st October 2008, 02:47 PM
Brian,

you should be able you cancel, you normally have 14.days.

I thought you might like to know how much mine cost per month. I do it monthly as there is no interest added to the premium doing it this way.

2 Shelties are £13.75 (age 7 yrs) and £10.09 (age 4yrs)

Cavs are £12.76 (age 5 yrs) £12.85 (rescue PF age 6) £12.85 (rescue PF age 6)

Total £62 pm. £750 a year for 5 dogs...well worth it I think, especially with the Cavaliers.

Alison.

Brian M
1st October 2008, 10:59 PM
HI
Changed to petplan on thr 21 st Oct so i phoned and cancelled as within 14 days then applied to axa plans to start tomorrow and the the same for my two cats .

petplan 3 girls ages 2 yr 2 mths ,1 yr 10 mths ,1 yr 2 mths petplan total £730.00 axa total £354.00

axa breakdown poppy 2 2 £113.75 daisy 1 10 £120.20 rosie 1 2 £120.20 dont make sense pops is the oldest but the cheapest

2 cats paying now through halifax as one is 11yr 8 mths and Ami 14 yrs 8 mths a total of £354.00
axa total £246.00

Petplan /other total £1084.00
Axa total £ 600.99

Saving £484.00

*Pauline*
1st October 2008, 11:24 PM
Whoop whoop!!:jump::jump:I should get commission from AXA.

You just saved nearly £500 :thmbsup:

*Pauline*
1st October 2008, 11:25 PM
Now don't forget you can't make a claim in the first 14 days.

Brian M
1st October 2008, 11:29 PM
Hi Pauline

Thanks again i had prepaid all mine so they will reimburse by c/e in 10-14 days but if AXA wont do commission i promise if you pm me your address i am more thn happy to say thanks via a big bunch of flowers via interflora.

Rgds

Brian:thmbsup::flwr:

*Pauline*
1st October 2008, 11:41 PM
Oh I was only joking, I'm an awful big head. You hang on to your money, you've spent a lot this week. Thanks Brian. :D

Alison_Leighfield
2nd October 2008, 09:47 AM
Brian thats a great saving :)
I have been with them for a few years (5) and have been more than happy with them. I hope you will be also.

Alison.

Brian M
2nd October 2008, 11:24 AM
Hi

And thank you all for your kind advice and guidance

Best Wishes

To All

Brian:flwr::flwr:

motte platts
2nd October 2008, 01:33 PM
Wow - had renewal quote for my poodle from Healthy Pets insurance a few days ago - last year £107 approx - this year over £390!!!! Have just tried AXA & have been quoted £180 approx - whoopee. Didn't think I could insure cavie Holly as she is nearly 6 with a grade 1 heart murmur but I'm going to try it now.:thmbsup:

murphy's mum
2nd October 2008, 02:20 PM
Gosh. Murphy is 2 1/2 and costs £19.50, a month, the 2 cats a 4, and cost £21.50 a month. I took Petplan because of their life cover, thinking they were the besticon_nwunsure

I pay by D.D I wonder if there would be a cancellation charge, I'll need to dig out paperwork. Might be worth a swap with the cost of things these days, every penny counts:)

petcrazyme
2nd October 2008, 03:28 PM
I just looked up AXA for Canadians. Sadly, they don't offer pet insurance here. I'm still not sure what would be the best policy offered to Canadians. I think it might be VetInsurance.

Alison_Leighfield
2nd October 2008, 04:55 PM
Just a note to remember while we are shopping for better or less expensive pet Insurance :)

....any conditions already noted on your animals health record with you vet will not normally be covered by an Insurance company......noted conditions will nearly always be excluded from a claim especially if you have claimed for them with a previous company.

So think hard if you are claiming for medical expenses already and thinking about making the switch. Is it a condition that might or be more likely to happen again for which you would want to claim for?

Otherwise if your dog/cat is healthy with a clear medical record then switch and shop around and save some money!

Alison.

Alison_Leighfield
2nd October 2008, 05:04 PM
Murphy's mum....:)

If you have taken a 12 month cover then usually you will have to continue and finish the 12 months term, then change after that :)
I found with most the only exclusion allowing early cancellation is if your animal sadly dies or is PTS, then the policy stops .... normally without any further payment.

Most however do allow you to cancel within 14 days of a new 12 month contract or following a yearly renewel.
Hope this helps.

Alison.

AT
2nd October 2008, 09:47 PM
Just a note to remember while we are shopping for better or less expensive pet Insurance :)

....any conditions already noted on your animals health record with you vet will not normally be covered by an Insurance company......noted conditions will nearly always be excluded from a claim especially if you have claimed for them with a previous company.

So think hard if you are claiming for medical expenses already and thinking about making the switch. Is it a condition that might or be more likely to happen again for which you would want to claim for?


Alison.

I was wondering about that when I looked at their online quote , there was a bit you had to tick if your pet had been treated for any illness.
she has only been to the vet with a tummy upset. But do I still need to tick yes ?

Alison_Leighfield
2nd October 2008, 11:11 PM
AT,

ring your vet and ask them if what she had was termed as an actual illness, tell them that you want to change insurance companies and ask if they would have to disclose the simple tummy upset if you ever claimed for a similar or possibly related problem, it's better to be safe :)

Alison.

murphy's mum
3rd October 2008, 07:59 PM
Murphy's mum....:)

If you have taken a 12 month cover then usually you will have to continue and finish the 12 months term, then change after that :)
I found with most the only exclusion allowing early cancellation is if your animal sadly dies or is PTS, then the policy stops .... normally without any further payment.

Most however do allow you to cancel within 14 days of a new 12 month contract or following a yearly renewel.
Hope this helps.

Alison.

Yea I contacted them and I do need to wait until my renewal. Luckily Murphy is healthy, with no prior problems, so if all is well next year we'll swap:)