Claire P Posted March 24, 2009 Report Share Posted March 24, 2009 Hi guys, At present I have Cooper (almost 5 years) insured with Pinnacle as when I searched comparison and advice sites last year it came out as one of the few policies that covered any conditions should they occur for the life of the dog. (as this is often what people get stung by without realising) Anyway as was fishing around again as it is coming up for renewal and has gone up unannounced, but I put in for a quote for a dog over 8years to see how much difference there was in monthly cost for those classed as old and not, but it said they did not insure dogs past their 8th birthday! So how can they say they cover a condition for the life of the animal if they don't insure past 8years. As we here know very well indeed dogs go on to live far past 8! So was just looking for suggestions on companies that insure fully not have cut offs for conditions (not that he has any but you never know what the future will hold) and will insure older dogs without too many questions. Cheers guys I know you will be the best people to ask Link to comment Share on other sites More sharing options...
ReikiAnge Posted March 24, 2009 Report Share Posted March 24, 2009 Do they mean they don't insure dogs with existing policies once they turn eight, or that they don't offer new policies when a dog is 8+? Just wonder as I know Petplan won't take on dogs over a certain age (think it's around 9) on a new policy but they do continue existing policies for the dog's life, provided they were started under that age. I use Petplan and I have one with M&S though I'm not sure I'd take out another with M&S as they seem to have had a few changes in recent years that weren't for the best. Link to comment Share on other sites More sharing options...
Anne Grose Posted March 24, 2009 Report Share Posted March 24, 2009 I think you will find that they won't insure a dog that is over 8 for the first time, but will continue to insure a dog past that age if you already have insurance with them. Most insurance companies are like that. I am with PetPlan - insured for life - possibly not the cheapest but they have paid out thousands over the years for my dogs without ever quibbling anything. Link to comment Share on other sites More sharing options...
melissa Posted March 24, 2009 Report Share Posted March 24, 2009 To date Roly & Snoopy have cost me less than an insurance plan would have & they must be approaching 13 (adopted at 11) Snoopy has had a few 'bugs' & they are both on Metacam for arthiritis -Tesco offered me the best plan for them . Link to comment Share on other sites More sharing options...
Claire P Posted March 24, 2009 Author Report Share Posted March 24, 2009 Maybe they do mean they won't take on a new dog over 8 then. But it doesn't help people taking on one of our dogs. I looked at Pet Plan and their excess is £75 + 20% of the cost which seems very steep to me as if it was a big bill I would still struggle to pay for it which is the whole point in taking out insurance to safe guard against very big bills. Link to comment Share on other sites More sharing options...
Abby Posted March 24, 2009 Report Share Posted March 24, 2009 Our two are insured with Axa and they take dogs over 8 as first time policies. Link to comment Share on other sites More sharing options...
Lainey Posted March 24, 2009 Report Share Posted March 24, 2009 I'm with Tesco with my 3, on the top level of cover. They have always paid out quickly and i pay £60 excess and have cover for life-Duke is 9 and covered as long as the policy is paid Link to comment Share on other sites More sharing options...
BillyMalc Posted March 25, 2009 Report Share Posted March 25, 2009 Mal and Kiera are with Axa, and I'm very happy with them. They paid out about £4500 without questioning it for Mal's treatment last year. Sure enough the premium went up when it was due, but it's still nothing compared to what they've saved me! Plus I always found the people on the phone very friendly and professional to deal with Sparks is still wth Petplan, but only because he came with that. Fortunately I've not had to deal with them yet (fortunately as in: Sparks hasn't had anything yet that warranted vet treatment ). Link to comment Share on other sites More sharing options...
cycas Posted March 25, 2009 Report Share Posted March 25, 2009 Mine are both with Axa, though I have not had to claim from Axa for either of them yet. Az was with Tesco before that, which did pay up promptly when he injured his leg and needed out of hours stitches, but Tesco quoted £450 to renew Az's policy last year (he is now 10, though so far, fingers crossed, utterly healthy) and Axa quoted £180 (I did tell them about the leg injury, but I think it was actually his age that Tesco were charging me for), so I moved him. Link to comment Share on other sites More sharing options...
barb Posted March 25, 2009 Report Share Posted March 25, 2009 Holly is with Tesco and I have had no problems with them. When she reached ten they suggested I Pay a ittle extra a month or the rest of her life. I am now claiming for the treatment she is getting and they paid for her hyrotheropy without question. They have always settled up quickly, she is now reaching 13. Barbara Link to comment Share on other sites More sharing options...
joshnbecks Posted March 25, 2009 Report Share Posted March 25, 2009 Mine are with More Than, not had to claim so can't say how quick they are at paying up but premiums are good price Link to comment Share on other sites More sharing options...
dawnq Posted March 25, 2009 Report Share Posted March 25, 2009 VERY BAD EXPERIENCE WITH TESCO SO BE WARNED!! Their policy only paid out for maximum 12 months for any one condition - my staff developed heart condition and Tesco DOUBLED the premium next year!!! Link to comment Share on other sites More sharing options...
eilrex Posted March 25, 2009 Report Share Posted March 25, 2009 Chewie has been with More Than for nearly 2 years. So far they have paid out about £5,000 and the premiums didn't go up much this year. Link to comment Share on other sites More sharing options...
Claire P Posted March 25, 2009 Author Report Share Posted March 25, 2009 (edited) Yes well phoned AXA at lunchtime to get them to confirm they wouldn't stop paying for a condition and the £7000 max would be renewed each year and so I think I shall be changing to them. They are cheaper too. No-one twigged why I was looking at older dog policies then.... Thanks for your help everyone. Oh and pinnacle would keep Cooper on after 8 as he is already with them but AXA look just as good and cheaper and offer discount for 2 dogs. Also ASDA looked prett good but goes up for older dogs Edited March 25, 2009 by Claire P Link to comment Share on other sites More sharing options...
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