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BoxerMad
18:45:27 Thu
Feb 10 2011

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Pet Insurance

I just want to make people aware of the importance of having insurance for your boxer.

Boxers are prone to many things, heart problems and cancer being two of the most serious. Vet bills can mount up so quickly if your dog is sick.

I have insurance for all three of mine and always thought that we would never need the full 4000 limit per condition on ours - How wrong was i?

In just over two weeks, our bill has come to a staggering 1700 and that was just to diagnose a problem from which we took Henry to the vets because he had lost weight - We are now looking at an operation to remove his damaged kidney which will cost another 1500 to 2500 and then chemotherapy and regular blood tests at around 150 - 200 per month. We will soon be paying for his treatment out of our own pocket as the limit will have been reached, but had we not had the insurance we would have seriously struggled to find the money for this treatment.

Insurance is not always cheap - We currently pay 42.00 per month for our 3 boxers through Direct Line insurance but we have more than had our money back over the years. There have been times when we haven't claimed for a couple of years and had considered going without insurance, but are so glad now that common sense won through.

So please anyone who does not have insurance or is not sure if it is worth it, think about how you would cope if you were faced with a bill similiar to what we have had for Henry's treatment - Insurance always give you that safeguard that you will be able to get the best treatment available for your dog without having to find large amounts of money at short notice.



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Caroline, Henry Monster, Bustaroo, Pepsi and the not forgotten Tia baby & Kirei xxxx


 
 
Polo123
19:25:17 Thu
Feb 10 2011

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Re: Pet Insurance

I'll second this Caroline, I know from experience when Polo had cruciate ligament ops on both back legs within a couple of months, thankfully they were classed two seperate incidents, the ops alone were just under 2k each :eek: Think you have a good deal with 42 a month for 3 as ours is 20 a month for 1!!!
Seriously though, if you don't have insurance think about it very carefully, it doesn't take much for you to end up with a huge bill :crying:



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Squeezeboxplayer
07:58:15 Fri
Feb 11 2011

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Re: Pet Insurance

I agree too. We are at about 3000 of Gixer's 5000 limit for his hearet problem and also would have struggled without the insurance. We will have to manage when it ends his tablets cost 80 every 3 weeks as I get them online which saves 50. When he has visits to his cardiologist the price can range from 30 - 500 depending on what is done.

Your price is really good we are paying about 30 per month for Gixer.



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Jakes_mum
22:12:52 Fri
Feb 11 2011

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Re: Pet Insurance

I have to agree - I am with "more than" and cant remember what i pay, but it covered the cost of the two face lifts that Heskey had! (ok they were ops for his eyes that were droopy!)

Liz

  
BoxerMad
09:39:58 Wed
Mar 2 2011

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Re: Pet Insurance

Well i never ever thought we would reach the maximum limit on any of our insurance policies before now, but we are well over the limit for Henry's treatment - so far the bill has come to 4646.59 - we have a limit of 4,000 per condition.
An amount we would have seriously struggled to find so quickly ourselves if we had not had the insurance and i hate to think what the alternatives would have been had the money not been available.

At least now the bulk of his treatment (the surgery) is paid for we can budget for the ongoing medication costs - we have been quoted an estimate of 100 per month for his chemotherpay treatment, which is not too bad, but there is no way we would have been able to have come up with such a big lump sum so quickly.

We would pay any amount to get him the best treatment possible but there is only so much you can do if the money is just not there...........so please please if you still do not have insurance - think about it seriously. Henry's bill has been run up within just 5 weeks - could you find such a large lump sum if something similiar happened to your dog? The alternatives are unthinkable!

Luckily for us we still have other options open to us for his ongoing treatment and will be able to find whatever money we need to ensure he gets all the ongoing treatment he may need.

For the sake of a few pounds a month, it is so worth it to know that your dog will get the best treatment available at a moments notice, without you worrying about how you are going to pay for it.




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Caroline, Henry Monster, Bustaroo, Pepsi and the not forgotten Tia baby & Kirei xxxx


 
 
fiskip
16:47:52 Mon
Jun 13 2011

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Re: Pet Insurance

completley agree we were insured by a company but after skip(our boxer) had a tumor our bill went up by 400 for a year for the three dogs to 1000, we seriously considered not insuring them the next year....instead i shopped around and got accident only insurance for the three of them from ultimate pet partners an english company for about 360 a year for the 3 of them and now we're fairly glad we got them covered suki(our bull masstiff) had a crucial ligament operation last march and because she's such a big dog she's still recovering we've had months of physio and are looking at years of tablets to try protect her other back leg from the same problem....wouldn't recommend the accident only plan it doent cover every thing but ultimate pets partners have other plans and as far i can find they're the best value they paid our vet straight away unlike allianz the irish company i was with before skip had his tumor over a year ago now(thankfully it was benign he just had it removed and we got the lump tested)and they still haven't paid our vet



  
SashasMum
12:05:46 Tue
Jun 14 2011

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Re: Pet Insurance

Sasha's will be getting a hammering!

68 on Friday
187 on Monday
424 for xrays etc today
76 for bloods today

:waa::waa::waa::waa:

  
Polo123
17:44:31 Tue
Jun 14 2011

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Re: Pet Insurance

that's what it's there for Karen, hopefully all these tests will find out what's wrong & fingers crossed it's nothing too serious :luck:

Changed ours recently at renewal, pet-insurance.co.uk, currently paying 15.68 a month & getting more cover (lifetime & higher fees) than we were previously covered for & paying more for :wave:



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SashasMum
21:53:42 Tue
Jun 14 2011

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Re: Pet Insurance

765 on the credit card today!! Back in next monday for more bloods ................

Thank god for Credit cards and insurance, that's all I can say.

  
Katiesnowflake
23:10:42 Tue
Jun 14 2011

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Re: Pet Insurance

How is Sasha Karen



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BoxerMad
20:01:54 Wed
Jun 15 2011

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Re: Pet Insurance

It definately is worth shopping around - I saved 30 a month this year by changing from Tesco to Direct Line - and we have more than had our moneys worth!!!

The bills do add up so quickly - especially when they are so poorly and you are backwards and forwards almost every day - Karen, you have been paying the premiums, now its time to get your payback - although hopefully she won't be needing much more as it will just be an infection and she will be better in no time :luck:



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Caroline, Henry Monster, Bustaroo, Pepsi and the not forgotten Tia baby & Kirei xxxx


 
 
SashasMum
07:18:20 Fri
Jun 17 2011

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Re: Pet Insurance

We changed to More Than to Tesco recently as they wanted 10% of the bill, on top of the excess?

Someone recently tried to convince me that insurance was a waste of money and that I should just save up for their bills. Sasha was uninsured for about 4 weeks, but I woke up in a cold sweat panicking about it, so we went with Tesco. Thank god as this would have been far too expensive for us to manage!

My only worry now is that we only have 4,000 per condition and I am panicking how much chemo will costif she needs it!

  
SashasMum
07:18:20 Fri
Jun 17 2011

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Re: Pet Insurance

We changed to More Than to Tesco recently as they wanted 10% of the bill, on top of the excess?

Someone recently tried to convince me that insurance was a waste of money and that I should just save up for their bills. Sasha was uninsured for about 4 weeks, but I woke up in a cold sweat panicking about it, so we went with Tesco. Thank god as this would have been far too expensive for us to manage!

My only worry now is that we only have 4,000 per condition and I am panicking how much chemo will costif she needs it!

  
BoxerMad
16:47:19 Fri
Jun 17 2011

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Re: Pet Insurance

I never in my wildest dreams thought we would ever reach the 4000 limit per condition and now it has happened with two of ours at once!

Vets fees are so expensive and what really winds me up is that we have to also pay full VAT on them!! It is medical treatment:waa: - I know owning a pet is seen as a luxury, but to treat them when they are poorly really should not be subject to VAT - So 20% (800) of our insurance limit is actually going to the government!!

Chemotherapy medication (He is on Palladia) for Henry costs us 168 per month, but he also has to have blood and urine tests that come to another 200 almost. I have to take him back for a check up next Wednesday and to get a new prescription and i am going to ask my vet if it would be possible to reduce the blood / urine tests to every two months now as his blood levels have been steady since he started the chemo over three months ago. He has a slightly low white blood cell count, but that is to be expected with the medication and as it has stayed steady, the medication is not causing any initial side effects.

My own vet seems to understand the money issues, whereas when we take him to the Royal Veterinary College they seem to order all sorts of tests and even though we have explained that we are struggling to pay for everything, they don't seem to take that into consideration. I know they are also using the information for research, but we can't afford to fund that. The specialist did say to us last time we were there that they were so interested in Henry as he has such a rare form of cancer and the Chemo they are using to slow it down is very new, but as Brendan said if they would even meet us halfway with the costs we would be happy for Henry to be used as a case study, but we are not able to pay for all the tests they would like if they are of no benefit to Henry.





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Caroline, Henry Monster, Bustaroo, Pepsi and the not forgotten Tia baby & Kirei xxxx


 
 
HARIBOH
18:49:57 Wed
Jun 22 2011

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Re: Pet Insurance

Oh god Caroline its an absolute nightmare for you at the moment with both babies being poorly :sad: Im sure you will see light at the end of the tunnel soon with both Busta and Henry and you will be able to treat yourself and Brendan to something nice instead of the vets bills getting it all the time.

Keasha insurance has just been increased from 23.33 a month to 42.78..... they have me over a barrel because if her tumour returns in the same place or spreads to another part of her body a new insurance company will say its a pre-existing condition and she's not covered. I have her covered with argos platinum which allows us up to 7000, but still what a blooming hike..i knew it would go up but thought it would go up to maybe 34 ish not nearly double :O

Shona x



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fiskip
01:33:17 Sat
Jun 25 2011

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Re: Pet Insurance





dont think suki's curicate ligament operation has worked they said she might be too heavy for the recuperation but its been months now she had the operation in march we've been told she'll have to be on tablets for the rest of her life but recently she has started limping again if that continues her other back leg won't cope with the strain as she weighs 50 kg dont know what to do :crying:

  
jojoscorpio
08:57:40 Sat
Jul 23 2011

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Re: Pet Insurance

Hi all, 6yrs ago when i got my 1st boxer Zak, i decided from the off that i needed Pet Insurance, and stupidly thought that going for the mid priced one was good enough, so i opted for the gold standard @ 2.000 per year, how wrong was i, within 3/4 months of having this policy iZak had his 1st epelptic fit, things were ok for the 1st year, but recently his medication cost have gone so high its unbelivable, he now cost me 229.00 per month,that nearly 800 i have to find just for this year, i expect this to rise again next yr as he now cost 2.750 per year and thats without his 2yearly blood tests at over 200, which i do not claim for as this would put up to over 3.000. really wished i had gone for the platinum standard now. a lesson learned ! the hard way

  
Squeezeboxplayer
17:16:40 Sat
Jul 23 2011

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Re: Pet Insurance

We had to finish with our last insurance company although we still had 1300 left on Gixer's heart claim. When we got our renewal through it had gone up from 60 to 110 per month which I thoughtwas a liberty. They said it was "advances in veterinary medicine" We are now with Protect Your Bubble and paying 25 per month on their middle insurance as we decided that due to Gix's heart he won't have treatment for anything unless he really has to. We are now having to pay for all his heart treatment so am hoping to put aside the difference in what we were paying to go towards when he has to have a heart monitor as it can cost 500 but we've told the vet he's not insured now so they'll anly do it if necessary.



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