Just spotted this

http://www.tescobank.com/insurance/petins/accident-and-injury.html

which is ‘Accident and Emergency’ insurance for dogs at a fixed cost of £6.25 a month per dog. Obviously it doesn’t cover them if they get cancer or cataracts and so on, but it does for the following…

Accidents – such as road traffic and other accidents
Injuries – including cuts and wounds
Poisoning – if your cat or dog accidentally eats something nasty
Animal attacks – if your pet is injured by another animal
Third party liability – up to £2m if your dog causes damage to another person or their property
There’s even a legal and veterinary helpline. Perfect if you need help with any issues related to your pet.

Here’s the other bit on the opening page…

Pet insurance doesn’t have to be expensive. This option gives you essential cover – so if your pet is involved in an accident and hurt or is attacked by another animal, we’ll cover your veterinary fees up to £3,000 per injury caused by an accident for up to 12 months from the first date of the injury or up to the vet fee limit, whichever happens first.

Premiums from Marks and Sparks for my two dogs, now aged around 6 or 7 years, are up to £60 a month (for both, not each). So £12 would be an 80% saving yet still cover us in an emergency, just not the long term stuff like cancer and so on.

Mrs reckons that plus a degree of self insuring.

Thoughts?

What’s the excess?

Edit

Actually read the link

Tenner less than the current one!

Maybe have a look at the costs of long term meds like those for heart disease ( Vetmedin, Fortekor, Cardalis), arthritis, (Rimadyl, Metacam) etc then decide.

Is your current policy a life or 12 month policy?

Like most non statutory insurance pet insurance is just legalised gambling. If you can cover the costs of ongoing treatment for some common conditions then consider a&e only but have had clients stung by it.

What’s the excess?

A monkey.

Are they handy on an enduro bike?

Think it’s a life one bruk, but to be honest, I took it out when they were puppies – it was a well regarded one at that time – and haven’t really looked since then. Slack I know, but hey….

People regularly have issues swapping companies to get a better deal each year only to find themselves not covered due to pre existing conditions. Life cover is good but expensive and sticking with the same company often a good idea, esp if they have been treated for something that may not have reached claimable level.

If you could afford a middle of the range enduro bike sized bill then self insuring is worth looking at.

I would say most Claims are sent off for illnesses rather than accident though. Ask them if it would cover for things like cruciate ligament rupture, some would say its injury, others disease.

Thanks bruk