Cowart's Common Room
Dog Insurance!

Oh God! I've just dropped in on the general discussion page, and was amazed how many people have dog insurance. I didn't even know about it.

My Pa and his Red Setter are a pair of uncontrollable lunatics when they are out together!! Other people's gardens, cats, sheep, cars etc.. are definitely at risk when those two go for a walk!

Don't get me wrong, he is a very responsible and experienced dog owner...but he has absolutely no control over the red peril.

Is dog insurance a good idea for these two do you think, or is it just for vets fees??

I'd hate him to be sued.

Posted at 11th Nov 2008 - 10:45PM   Posted by Salle de Bain   Dog Insurance! Comments: 16

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Exmoorjane's Avatar HUGE good idea! We got third party when we had the bonkers boxer (as he once managed to knock me over in the middle of a field in the middle of nowhere....couldn't get up for half an hour!).
Red setters should have triple insurance!!

Posted by: Exmoorjane on 11th Nov 2008 at 10:49PM

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Bradan's Avatar Would definitely say a good idea - esp with a red setter!

Posted by: Bradan on 11th Nov 2008 at 10:57PM

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Westerwitch's Avatar Dog insurance of any kind is a good idea. Dogs are very unpredictable at the best of times and better to be safe than sued into oblivion. Health insurance also a good idea . . . we have used ours a lot and it has saved us a fortune - although the excess on both dogs is now 60 each.

Posted by: Westerwitch on 11th Nov 2008 at 11:00PM

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Withy Brook's Avatar Our house insurance includes third party cover for any dog we own, but it may be possible that it only applies on the premises. Certainly dogs should be insured. Personal injury claims are so giganormous these days. Vets fees too.

Posted by: Withy Brook on 11th Nov 2008 at 11:14PM

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TIGGYWINKLE's Avatar My brother used to breed the most divine Red Setters, but always said they could do daft things. Zoe his prize female, once having had a litter, got out and ran herself almost to death along the railway line, and ended up tearing herself to pieces in barbed wire.
She made a great recovery, but he then always insured his dogs.

Posted by: TIGGYWINKLE on 11th Nov 2008 at 11:32PM

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Gosh, had not thought of that. We have our horse insured in case she goes looney and gets into trouble so we end up paying massive bills.

My cats are only insured against illness, but I guess even they too could cause damage!

Posted by: Crucifix on 11th Nov 2008 at 11:38PM

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Patsy's Avatar Lawks I've just logged on after a few days and it's like a vet's clinic in here!
Insurance ..brill idea and not just because I would say that, wouldn't I!
3rd party insurance is a must in these litigious days and may not be covered by your house insurance.
As for the vet bills..here's my view.
When I first qualified owners expectations were much less. If your old pet got a bit thin over the age of 10, it was "probably her kidneys", "nothing could be done" and she was put to sleep. And that cost a fiver.
Now, not only will your pet be offered blood tests (with results within the hour) but xrays, ultrasounds even MRI scans to get an accurate diagnosis. And they will be treated and go on to live happily with a good quality of life for a good few more years. But that can cost 100s if not 1000s (if chemotherapy is attempted.) But that is YOUR choice.
This is private medicine and just about anything is possible though I don't agree of course that everything needs to be done if it does not benefit the patient or help the diagnosis. Finding a happy medium between doing too much or too little is the challenge. Emotional enough where an animal is concerned without then adding on the client's ability, or lack of, to pay for it.
My own dog is insured with a 90 excess so I do all the trivial stuff myself (OK staff discount!), but if for example she needed specialist orthopaedic surgery beyond my skill then we're covered.
I'm not allowed to recommend any particular insurance company but do just please read and compare the small print. Check the insurance covers the dog for life and that any chronic diseases longer than a year are included.
And then hope you don't need to use it!!
Confused

Posted by: Patsy on 11th Nov 2008 at 11:42PM

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Toady's Avatar Having just seen Minnie through a major operation I wouldn't be without it. Even with excesses insurance saved us from a 600 vets bill.

Posted by: Toady on 12th Nov 2008 at 07:38AM

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Ivy's Avatar In Germany it is compulsory but it doesn't cover vet bills just the damage that can be caused by dogs. (chewing up carpets in rented holiday homes, shredding postman's trousers , causing car crashes because dog fancies to do his siesta on main village crossing, etc. )

Posted by: Ivy on 12th Nov 2008 at 08:56AM

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Faith's Avatar My dog only weighs 4lb and you wouldnt think that such a small bundle of fluff could be so expensive. I've had him insured since the day we got him, and thank goodness for that! I echo everthing everyone has said above.

Posted by: Faith on 12th Nov 2008 at 09:00AM

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Westerwitch's Avatar Mine are also chipped in case they wander off.

Posted by: Westerwitch on 12th Nov 2008 at 09:18AM

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Salle de Bain's Avatar Thanks a million y'all...particularly Patsy....very helpful.

Am going to arrange it today, in order to protect the West country from the red devil and his associate!

Posted by: Salle de Bain on 12th Nov 2008 at 09:39AM

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Milla's Avatar Mine's chipped, not insured. When The Time Comes, and she is a fine old age, will the vet hate me for letting her slip away. Will he hound me (ho) into all the stuff Patsy mentions and make me feel like a dog killer if I just say, she's old, and ill, let her go? My friend was conned into nearly a thousand quid on her 14 year old dog. End result? Broke friend. Dead dog.

Posted by: Milla on 12th Nov 2008 at 12:52PM

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Exmoorjane's Avatar Milla, tell me about it! We still linger on........

Posted by: Exmoorjane on 12th Nov 2008 at 01:40PM

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Westerwitch's Avatar Ah but they don't have to be old to get sick.

Our Collie is only seven and on medication to control her incontinence probably for the rest of her life and my policy only covers me for a year. Luckily the medication isn't hugely expensive . . . but there are other illnesses . . .

Posted by: Westerwitch on 12th Nov 2008 at 02:11PM

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Patsy's Avatar No No never hounded Milla, I hope we'd never do that. But as poor ExmoorJane knows the decision is never that simple.
With an old dog you will rarely be faced with a sudden "he needs to be let go today" sort of decision. He will more likely have deteriorated over a few years with arthritis, bad teeth, heart problems etc all of which can be treated to give the dog a better quality of life but it all costs money.
How old is old? A dog on the streets in India won't live much beyond 7, our pampered pets 12+. Many creaky older pets' lifes have been transformed by pain relief for arthritis for example. But that's about 20 per month for a medium sized dog. So balancing the welfare of the dog against the owner's resources is tricky.
WW have you tried an online pharmacy for the tablets? It may be cheaper though you will need a prescription from your vet.

Posted by: Patsy on 12th Nov 2008 at 04:55PM

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