Pet insurance

Argo foc yourself

So I was going to buy pet insurance but I see a sticky stating there is to be no mention of a certain pet insurer... can someone let me know why? pm me. This is the company i was goign to use but now in doubt

DBB

They asked our HQ to remove posts about them that were critical of them.

I am in the market for pet insurance as well. Anyone recommend a good insurer that is allowed to be discussed as obviously am not interested in looking at insurers that can't be discussed.

I have a 3yr old White German Shepherd.

Nody

Deleted User wrote: »

I am in the market for pet insurance as well. Anyone recommend a good insurer that is allowed to be discussed as obviously am not interested in looking at insurers that can't be discussed.

I have a 3yr old White German Shepherd.

Don't have one myself but from previous threads Allianz usually get praise for being very easy to work with and liked by vets as they can claim directly from them (rather than you paying up front and claiming it back afterwards).

Alun

Nody wrote: »

Don't have one myself but from previous threads Allianz usually get praise for being very easy to work with and liked by vets as they can claim directly from them (rather than you paying up front and claiming it back afterwards).

Not all vets do that though, ours certainly doesn't.

Alun

Alun wrote: »

Not all vets do that though, ours certainly doesn't.

I will check with my vet if they have direct payment with any of the insurers. Would be very handy.

Knine

I have the one who can't be discussed. Have had some whopping claims for a crossbreed. Found them fantastic. They pay the vet direct & have never put up the premium.

DBB

Okay folks,
We're in a ludicrous situation whereby I have to ask ye to stop discussing a company who have directed our HQ to pull any posts discussing them... I assume that goes for positive as well as negative comments.
I don't mind telling ye that it irks me hugely that a company would stifle honest critique in this way, good or bad, but if that's what HQ wants, so be it... Seems to me they're doing more damage to themselves in the long run.
From this point on folks, please refrain from any discussion at all of the company that is not allowed be named.
Thanks,
DBB

Prisoner6409

I to am looking for a good pet insurer for my 7 month old dog. What is a reasonable premium for a standard contract. I know there are probably very complicated policies for dogs prone to a particular problems but I am looking for standard cover, just the normal day to day things.

PS: On the company that "Must not be named" saga, how can any company direct any website that no comments about them be posted, esp by customers of theirs and why would Boards.ie be inclined to acquiesce to that request. This would be mana to a company engaged in nefarious activity, ie: no one could be warned. The net and forums are only an extension of society in general and nobody should get away with stifling comments about their very own experience if they spent money on a service. Would a request from Samsung that no one express an opinion about their handsets on a forum be tolerated or from Eircom ect, you get the idea. I don't even know or care who this company is which is not good either as I would not be inclined to give my money to a company that behaves like that.

the beer revolu

Prisoner6409 wrote: »

PS: On the company that "Must not be named" saga, how can any company direct any website that no comments about them be posted, esp by customers of theirs and why would Boards.ie be inclined to acquiesce to that request. This would be mana to a company engaged in nefarious activity, ie: no one could be warned. The net and forums are only an extension of society in general and nobody should get away with stifling comments about their very own experience if they spent money on a service. Would a request from Samsung that no one express an opinion about their handsets on a forum be tolerated or from Eircom ect, you get the idea. I don't even know or care who this company is which is not good either as I would not be inclined to give my money to a company that behaves like that.

It seems that boards.ie have a very conservative and cautious approach to legal matters.
It isn't even allowed to offer any kind of food safety advice on the food and drinks forum for fear of someone following poor advice, getting sick and trying to sue boards.ie.
I don't imagine that there is any precident for such an action nor can I see a case being successful but we still can't even post something along the lines of "that dish is safe/unsafe to reheat provided it's been refrigerated"

Nody

the beer revolu wrote: »

I don't imagine that there is any precident for such an action nor can I see a case being successful but we still can't even post something along the lines of "that dish is safe/unsafe to reheat provided it's been refrigerated"

Because if someone would sue Boards.ie and fail Boards would still most likely end up having to pay tens if not hundred of thousands in laywer fees for the defence (assuming the judge did not give the user right because their lack of internet knowledge is glaring) and seeing how boards.ie is not exactly making millions in profits a year...

the beer revolu

Nody wrote: »

Because if someone would sue Boards.ie and fail Boards would still most likely end up having to pay tens if not hundred of thousands in laywer fees for the defence (assuming the judge did not give the user right because their lack of internet knowledge is glaring) and seeing how boards.ie is not exactly making millions in profits a year...

Like I said, a conservative and cautious approach to legal matters.

odckdo

Prisoner6409 wrote: »

I to am looking for a good pet insurer for my 7 month old dog. What is a reasonable premium for a standard contract. I know there are probably very complicated policies for dogs prone to a particular problems but I am looking for standard cover, just the normal day to day things.

As a reference, insuring with Allianz a pure-bred medium sized pup with no previous illnesses you would be talking €20-€25/month. Covered up to about €4,000 each year. Long term illnesses are covered throughout the dog's life. You need to pay €100 excess on each different claim category. Each new policy year means start paying the excess again. When your dog is a OAP at 7 (or is it 8?) years old, you also have to pay an extra 35% on each claim. Standard stuff like vaccs, flea, wormers, etc. are not covered.

I have tried different vets and I actually prefer paying upfront rather than the vet claiming - I found in one case that the bills were higher with extra stuff being added as the vet was handling the claim.

littlemisshobo

Any feedback on 123.ie Pet Insurance? Was thinking of going with Allianz for our dog, but the site won't give me a quote for some weird glitch... so looked around while waiting for it to resolve and the best quote was from 123.

My vet had said he's never had a problem with Allianz and has heard only good things about them; while reassuring me he does not get any commission for such advice!

Also on the age of the pet-- we don't know if she is 4 or 5... we found her 2 years ago and vets were unsure as to exact age... so what do I put down??

Dandelion6

littlemisshobo wrote: »

Also on the age of the pet-- we don't know if she is 4 or 5... we found her 2 years ago and vets were unsure as to exact age... so what do I put down??

I also had a problem with the online quote system, complained about it on Twitter and they phoned me! I don't know my cat's age either but I gave them my best guess, told them it was my best guess and they said that was fine.

Shivi111

Both my cats are insured with Allianz from day one, we've had to claim once and found them excellent in processing this quickly and easily. They're pretty good value too. We've been happy with them.

littlemisshobo

they all ask for the value of your pet... or estimated value if pet was a gift... a rescued pet option would be handy

Diane Selwyn

I finally got this organised the other day through Allianz at the Vet's recommendation - the monthly payment will be just over e14.00 for a spayed/chipped terrier cross with no known ailments or vicious tendencies. She is a rescue dog approx 6 years old - I think the premium would be more if she were over 8.

Sam Kade

I read somewhere recently about a survey where they weighed up the benefits of pet insurance and came to the conclusion that it would make more financial sense to save the price of the premiums for your dogs health instead of paying for insurance.

tk123

Sam Kade wrote: »

I read somewhere recently about a survey where they weighed up the benefits of pet insurance and came to the conclusion that it would make more financial sense to save the price of the premiums for your dogs health instead of paying for insurance.

Not got me - I think I've claimed at least 8k in 6 years(!) :eek:

Sam Kade

tk123 wrote: »

Not got me - I think I've claimed at least 8k in 6 years(!) :eek:

Jaysus, how many pets do you have?

tk123

Sam Kade wrote: »

Jaysus, how many pets do you have?

That's just for one trouble maker!

Sam Kade

tk123 wrote: »

That's just for one trouble maker!

:eek: trade him in for a fresher model

the beer revolu

Sam Kade wrote: »

I read somewhere recently about a survey where they weighed up the benefits of pet insurance and came to the conclusion that it would make more financial sense to save the price of the premiums for your dogs health instead of paying for insurance.

<snip>

(I thought I had already posted something to this end previously but it seems I never hit the post button)

borderlinemeath

the beer revolu wrote: »

<snip>

(I thought I had already posted something to this end previously but it seems I never hit the post button)

I think that it is very much dog and/or breed dependent. It's certainly not something you can tar an entire forum of users with as an opinion.

One of my dogs is a rescue and he had such a long list of ailments when he was found it wouldn't have been cost effective to insure him. Along with eye and ear infections, skin infections with open sores from mange, kennel cough and a cyst removed. Since we've had him the most expensive visit to the vet has been to get a growth removed and tests for malignancy - and as he had a cyst removed prior to this I would assume it would come under the same category and any insurance company would have refused to cover as it would have been considered pre-existing.

There are certain breeds which would be far more prone to certain ailments, and as such some insurance companies will add a loading on for certain breeds (bulldogs spring to mind) but I think anybody that has a lab or a retriever who are so prone to joint issues, it's worth insuring them if they have them from puppyhood and have "a clean slate" so to speak.

DBB

the beer revolu wrote: »

This idea isn't well thought of in this forum whether there is merit to it or not.

(I thought I had already posted something to this end previously but it seems I never hit the post button)

You did hit the post button, which made me hit the delete button.
Your comment was inflammatory to other users, and not representative of all users of this forum, so don't try to diss this forum with that big wide brush you used.
Do not post in this thread again unless it's not an argumentative or flaming post.
Thanks,
DBB

svb85

We're insured with 123.ie. I have a 3 year old neutered golden retriever.

Despite never claiming on my dog and him only going to the vet for vaccinations we were hit with a 30% increase on our premium this year.

Customer service were fairly useless so heading over to Allianz!

andreac

Id also be interested to hear any reports on 123.ie as im having awful hassle with my own company at the moment. I tried Allianz but they wont quote me as i have had a claim in with my current insurer. I was wondering would 123.ie be the same?

I don't know of any other companies that do it.

Cherry Blossom

There's a new company, Blue Insurance. I think they do pet insurance. See them advertised on Tv. Don't actually know anything about them though.

Nody

adrenalinjunkie wrote: »

There's a new company, Blue Insurance. I think they do pet insurance. See them advertised on Tv. Don't actually know anything about them though.

They do.

Ashbx

Diane Selwyn wrote: »

I finally got this organised the other day through Allianz at the Vet's recommendation - the monthly payment will be just over e14.00 for a spayed/chipped terrier cross with no known ailments or vicious tendencies. She is a rescue dog approx 6 years old - I think the premium would be more if she were over 8.

Were you able to get insurance for you 6 year old dog? I was looking for my 6 year old which was a rescue also and many insurance companies plain out refused to give me a quote telling me they only insured dogs under 4 years old.

crystal5206

Im shopping for pet insurance at the moment and every time i ring Allianz im waiting 20 minutes to get through and end up hanging up and petinsurance.ie wont cover dogs on the dangerous dogs list for third party cover. Would all insurance companies have this in their policy? I got quoted 330 with Allianz and 230 for petinsurance.ie but without 3rd party cover is it worth paying 100euro less? Im so confused!! Havnt tried 123.ie or blue insurance yet.

andreac

crystal5206 wrote: »

Im shopping for pet insurance at the moment and every time i ring Allianz im waiting 20 minutes to get through and end up hanging up and petinsurance.ie wont cover dogs on the dangerous dogs list for third party cover. Would all insurance companies have this in their policy? I got quoted 330 with Allianz and 230 for petinsurance.ie but without 3rd party cover is it worth paying 100euro less? Im so confused!! Havnt tried 123.ie or blue insurance yet.

There is no dangerous dogs list in Ireland. Do you mean the Restricted breeds list?
No, not all insurance companies are like that. Im insured and i own 3 Rotties. I don't think 3rd party would be high on my priority list for pet insurance. I would be insuring them more for illness cover to be honest.

crystal5206

O sorry ye i meant restricted breeds list. My puppy is a rottie aswel and one of the insurance companies wouldnt even quote because they said they dont cover this breed. I was thinking the same that its more just for health problems and injury that i need it because im not worried about him biting anyone as hes very well socialised and he wouldnt do damage to anyone elses property as he has no way of escaping from our garden but i think its just the point that they wont cover it thats annoying me 😂. A jack russel would be much higher risk of biting someone than my dog!!!

Melendez

This post has been deleted.

tk123

Maybe people should post how much the premium has increased to? There was a similar thread a while back where somebody had their premium double but it was around the same as others were paying with other insurers. Some insurers seem to start off with a very low premium price (possibly to get customers to sign up) and then increase it the next year?

Lucy - 2yrs with around €300 in claims (mad eye infection and sliced paw) - €240 last month
Bailey - 6 years with around 8k in claims - €421 (last year pre jawgate claim of around 2-3k)

Diane Selwyn

Ashbx wrote: »

Were you able to get insurance for you 6 year old dog? I was looking for my 6 year old which was a rescue also and many insurance companies plain out refused to give me a quote telling me they only insured dogs under 4 years old.

Yes it was no problem - I explained to them that I didn't know her exact age but the rescue had said she was around 6 in December and that when I had brought her to the vet for a check up she had agreed that 6 sounded about right. The guy from Allianz put her birth date down as 1st December 2008 (so now she has to share a birthday with my Dad wouldn't you know it!). I think it might have been an issue if she was nearer or over 8 years old but maybe it depends on the breed?

Diane Selwyn

crystal5206 wrote: »

Im shopping for pet insurance at the moment and every time i ring Allianz im waiting 20 minutes to get through and end up hanging up and petinsurance.ie wont cover dogs on the dangerous dogs list for third party cover. Would all insurance companies have this in their policy? I got quoted 330 with Allianz and 230 for petinsurance.ie but without 3rd party cover is it worth paying 100euro less? Im so confused!! Havnt tried 123.ie or blue insurance yet.

Its painful and expensive trying to get through to insurance companies alright - they do advertise a call back service on their website (I've not tried it for getting a quote) https://www.allianz.ie/contact_us/