Pets do need insurance (Animal Insurance in general)

Member Name: cinystar

Product:	Animal Insurance in general
Date:	08/07/02 (625 review reads)
Rating:

Advantages: peace of mind, charity run companyt

Disadvantages: waiting to get your money backting

There are so many people that buy pets and do not realise that you can buy pet insurance. It is something that every pet owner should enquire about, as when your pet becomes ill, it can cost you an arm and leg, so to speak on vet bills.


I own three lovely dogs, who mean the world to me and I am sure that every dog owner would agree and know just how expensive it can be when your beloved pet becomes ill and has to pay a visit to the vets.


The bills can be very expensive indeed and that’s why it is so important that you take out pet insurance. Well, I recently received my renewal for mine and nearly died at the cost quoted this year.

I was with a company called KBIS; they seem to be one of the most expensive around, although I must admit that they have always been very quick to pay out on a claim, usually within a week, which was excellent.

However, as my dogs are a large breed, you have to pay more for insurance, which I personally don’t think is fair. I decided to look around and try and find a better deal, as I was quoted £55 a month for all three of my dogs. I began searching the wonderful net and looked at as many as I could, to find a suitable one

I decided to go with Animal friends insurance as they certainly beat all others on price and the policy offered covered everything. The other reason for choosing this particular company was that they work with Animal welfare groups and all their net profits go to helping animals. They have a discretionary fund that gives grants to help animals all over the world, which is great idea. They offer two types of insurance, which are Standard or Gold, which I will now list below the cover and amounts:

DOG INSURANCE

Standard Gold

Advertising and Reward -£250 --- £500
Boarding Fees - £500 --- £1000
Death from Accicent/Illness £250 - £750
Holiday Can
cellation £750 - £2000
Loss by theft/straying £250 -- £500
Third party liability -£2,000,000-£2,000,000
Veterinary Fees £2000 --£4000


Premiums Small/Medium size dog. £95.12 or £119.92 Per year

Large dogs(Great Dane,Rottweiler etc £104.60 or £131.92 per year


I am now paying only £38.00 a month for my dogs, which is quite a big saving. They also do home insurance, motor insurance, travel and business, which I have yet to look into. The cat insurance rates are much lower than dogs.

If anyone is interested their web site address is www.animalfriends.org.uk or telephone number is 08704443438.

This is certainly worth a look and you may be able to save yourself some money in the long run.We hate to think about our pets becoming ill, but two of mine have under gone operations, one was a major ear infection and the other a womb infection, which together cost £650, with medication as well. So I would have had to pay all this out, had I not had insurance, it really makes you think.

However, I must point out that it took 4 weeks to get my money back, which is not very good if you are a little hard up.Most pet insurances work on this principal that you pay the vet up front then send in your claim. The excess amount on this insurance is £50, which they deduct from your cheque.

I hope that you have found this helpful and thank you for reading Cinystar

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