Please make sure that whatever policy you choose is a COVERED FOR LIFE policy which means that if your dog gets (for example) an allergy this year, he will be treated under the policy and you'll just pay the excess and then once you move into the next policy year, he'll still be covered for that condition and you'll just pay another excess when you have further treatment.jammiebasket said:
jammiebasket said:
No, the basics aren't covered, but in this case it could have covered the vet visit for the sick tummy. In my case at 7 years old Chelsea had an impaction that just about killed her and just over £1000 later she did end up coming out okay. We would have found the money no matter what, but some people just do not have that kind of money. Based on yoru calculations that would barely cover it, and now what about her old age stuff? We'd be back to square one. This way we were covered and what was paid out was far less than what we've paid into her insurance over the years. We've also had 2 lumps removed and a couple of other small things. For us it has added up and paid off, even with the 3 dogs.tommy gunn said:
Personally, I don't think its worth taking a risk on. If you did put away £10 a month rather than paying £10 per month to your insurance company, and the dog had one single accident (leg break for example) your £120 will go absolutely nowhere. It costs more than that for an emergency call out and an x-ray regardless of the size of the dog in question. So then what happens? You're left with the rest of the bill to pay from that accident, plus you have none of the original £120 left to pay for whatever else may happen during the year.tommy gunn said:
Not with the Marks and Spencer coverage I quoted earlier in post 29 (and someone else mentioned before that) which is NO excesstommy gunn said:
. He was taken in for the day to be put on a drip and blood test's done. I said to the vet as I left,,Just get him well ,,dont care how much it costs. Tam was aloud home that night and the bill was £127.77. Im not rich, thank god for the little card (visa). Over the years I have had wopping big vet bill's,,over £1000 for BJ who in the end got his leg amputated and Abbey ,, over £600,,she had cancer, she died at 4yrs old. My vet let me pay it up over a few months , or I would have had to get them both PTS. Pet insurance is great, but as mine are high risk (racing) it will cost too much for us for the 3,,soon to be 4.
jammiebasket said:well thanx guys I have just read over the Marks & Spencers policy and will discuss this with my partner later. I should think that it will be the one we go with.
Comments like this however I do not appreciate, I am not an idiot and nor do I like to made out to be one :angry: . I was well aware that this wouldn't cover that cost. I have been getting a few snide comments about not being able to afford the dog! well I would like to make it clear that I bought the dog on impulse due to my partner and son really wanting one and at Jax's price I couldn't pass up, as it was a Jack Russel that they wanted. I am only down on money at the moment due to my partner being paid off from his last job. Which I am now glad to say has changed as he just got a call and he starts on monday at a new place
But for people here who have a genuine interest about Jax, I think he is well on the mend, he's been lapping up his chicken and rice with yogurt and hasn't poo'd once today
jammie
missed this post....but i still stand by what i said[/SIZE]
jammiebasket said:
