Pet Insurance

[maggie01]

I have just renewed my pet insurance. I have a shih Tzu who is 4 yrs. I was told when she reaches 5yrs old you have to pay 10 percent of any vet bills plus your excess. Does anyone know if this is normal practice for all insurers

[Ratty2E]

If you only have one animal then insurance might be worth getting, but as you've noticed premiums can shoot up. Insurance for my 3 dogs (11,10 & 6 months)would be rediculously expensive instead if anything major happens we have a credit card. Also putting away a regular amount in an instant access savings account is a good idea.

[woofgang]

Because sometimes vet treatment can be very expensive indeed. We had a dog with diabetes. She had cataract treatment, which needed re doing in one eye plus diabetes management and all the associated reviews and medications. The cost ran into thousands, most of which was covered by petplan, we paid one excess per year and they coughed up the rest.