Insurance $1750 a year...for 2 dobes! - Doberman Forum : Doberman Breed Dog Forums

Amelia_ · 02-01-2013, 01:05 PM

Ugh. Insurance woes!

Ive been shopping around for insurance all day for Aspen. It's SO expenicive! For he two of them, it's working out at £90 a month is the best price with adequate cover. This is equivalent to about $1750 a year! I have friends who pay £200 a YEAR (aprox $320 a year) for their mutts.

I'm thinking of just keeping Rupert insured and putting £50 a month away for emergencies...or not insuring either of them and putting £100 away for both of them...Our vets insist we pay upfront anyway so I already have a lot of savings for them...

...but then if something awful and ongoing happened then the bills could run really, really high

Ruperts dad has had chemo for a year now, bless his heart.

Ugh. I just don't know what decision to make.

A lot of policies say if you are showing a dog it counts as a working dog??

Not really much to say, just a rant! Sorry!

PorschaLei · 02-01-2013, 01:10 PM

Insurance policies are quiet expensive it works out well if you have one dog multiple is a pain in the pocket

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lestat1978 · 02-01-2013, 01:25 PM

When I was investigating insurance, Trupanion said Ivan would be listed as a working dog because he does SAR. Being listed as a working dog more than tripled his premium. Needless to say I went with a company that didn't distinguish between working and non-working dogs. I don't know what kind of options you have though.

Ojai Sho-Shawnee · 02-01-2013, 01:33 PM

Amelia,

What if you go with a higher deductible/lower monthly since you have savings set aside anyway?

I have no idea what options you have on that side of the pond, but here you either pay up front or pay at time of need but either way you pay.
Insurance is just a necessary evil unfortunately.

All the docs at my clinic use Trupanion for their own pets and they sure look to have great coverage. Like anything though, it isn't cheap. Until now I had only insured my horses and this was a very different experience.

Good luck whatever you decide. I pray you'll never have to use it.

~Bev~

stryker2 · 02-01-2013, 01:38 PM

We have PurinaCare Ins. since they were pups. Its $33.07 a month each.
$793.68 a year for both. It covers up to $20,000 a year. No Lifetime limit. It will go up when they reach 5yr and 8yr.

brw1982 · 02-01-2013, 01:43 PM

That's only a bit more than I've been quoted for my girls, together.

Insurance is an expensive PITA...until you need it and then it can be a huge comfort.

Mikemontreal · 02-01-2013, 01:52 PM

Put money aside it's the best thing

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stryker2 · 02-01-2013, 02:03 PM

The best thing is to get insurance and start a health fund.
Just before our black boy was 1yr he had to have surgery for a blocked intestine. $4,000 With the insurance it only cost $1,200

JobeyV · 02-01-2013, 02:15 PM

Ouch! That's a lot of money, though trying to insure anything in this country is getting stupidly expensive nowadays.

When we got Trooper we rang the people who insured Homer & we were quoted around £50 a month. That was twice the price of Homer's coverage when they were paying out for his DCM at the time. I found another company who insured him for £27 per month. I wouldn't be without it though, vet bills can escalate so quickly & I like the peace of mind it gives me.

Amelia_ · 02-01-2013, 02:22 PM

Thanks guys! Just decisions, decisions. I've been getting different quotes all day, the only difference tends to be a few pounds cheaper between the great companies and the cheap companies. My experience in the part with other kinda of insurance is that sometimes cheap insurance is as good ad no insurance

Quote:

Originally Posted by JobeyV

Ouch! That's a lot of money, though trying to insure anything in this country is getting stupidly expensive nowadays.

When we got Trooper we rang the people who insured Homer & we were quoted around £50 a month. That was twice the price of Homer's coverage when they were paying out for his DCM at the time. I found another company who insured him for £27 per month. I wouldn't be without it though, vet bills can escalate so quickly & I like the peace of mind it gives me.

I was told today that Dobermanns have been 'moved up a group' in terms of risk, so lots of dobe owner are experiencing price hikes.

May I ask who you insure with now?

Mine are insured with pet plan for the £90 a month. I've been getting a lot of quotes, but they've never been more than £5 a month cheaper. I've had quotes from John Lewis, Axa, pet friends, pet-insurance.com and a bunch of other companies

4Dobes · 02-01-2013, 03:21 PM

Personally I would stay with Petplan.
I have all mine insured with them and have never had any problems.

I thought about putting the money away in a contingency account for them but I would be so out of pocket now with Darcy alone.

I've attached a couple of links about how many people were left stranded when their pet insurance companies closed.
Also make sure you compare cover for life because many companies stop paying out once a policy year is up.

http://www.moneywise.co.uk/news/2011...rance-division

http://m.guardian.co.uk/money/2011/o...-pet-insurance

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Elzajpn · 02-02-2013, 12:35 AM

That's a big money.
Pet insurance has been getting popular here. Mine is reasonable, less than $300/year. Premium amount is decided both by age and weight. Funny, isn't it, "weight". Not by breed. For a cat, only age does matter.
This insurance covers 70% of medical expenses I pay.
When Elza had a surgery, total cost was nearly $3,000. Glad I took out insurance.

Researching and word-by-mouth are the best resources. Good luck!