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I had my dog ben insured through Direct Line Pet insurance after our last dog died and we didn't have insurance to cover the cost of the medication he required. Due to this we had to pay alot of money so he could recieve the treatment he required.
The policy cost me £7.95 a month which i thought was quite a reasonable price to pay especially as it gave me peace of mind to know that if my dog was invovled in a serious accident or took ill he would recieve the best treatment he required and i wouldn't have to worry about where i was going to get the money from to have him treated. As anyone with a pet knows its expensive to help them if they are taken ill or even need dental treatment.
The only problem with the policy is that we had to pay the first £50 towards any treatment our dog required this means that if he was taken for vaccinations or any other treatment that cost less than £50 we couldn't claim back any of the money. Only if the treatment went above £50 would we be reiburst for our expenditure but after they had reviwed everything first. In essenence this may seem quite unfair as most vaccinations and basic check ups cost less than £50 but if a serious illness was to occur they would cover the cost and all medication and future care needed. OR SO WE THOUGH. We later found out that this didn't cover all illnesses, we found out that for some disease such as leukemia they would only pay the medication costs for the first year. Astreatment is very expensive depending on which type your dog is suffering from and the dose of medication required.
If your thinking about having your dog insured shop around and see what illness they will cover and for how long. All policies are different and in some cases they will allow you to pay extra if there is a particluar illness you would like to insure your dog against, in a way it can be quite similar to the insurance of a person.
You should know however that dogs with existing illness sometimes won't be insured by some companies, mainly due to the fact that they would require continual treatment. its obviouly not an advantage to an insurance company to offer insurance to an animal with know health issues. They are in it to make money.
At the end of the day i do think it is still a good idea to have your pet insured. It gives a certain amount of peace of mind, and at the end of the day i see my dog as a member of my family and i wouldn't hesistate to pay over and above what i could afford to give him a happier and healthier life.