I have all my dogs insured. One of my irish setters suffered boloat and gastric torsion 3 times in 8 months and required emergency surgery on each episode, thankfully she survived each major abdominal surgery. All were insured with petplan, however when I came to insure the baby of the family ( Lou Lou's pup) at 8 weeks I mentioned that she had 1 episode of colic at 10 days old . They wanted to put an exclusion on the policy for any gastic/abdominal problems for 12 months. I decided not to go with petplan with the baby as after discussion with my vet he thought it outrageous for them put that exclusion in. One other fact was that the premiums for petplan have escalated over the years. I now pay about £2000 a year for my pets insurance but I reckon it is worth it. When Sophie had bloat/torsion the vet fees were about £6000 in 8 months.
Shirl |