JT1 wrote:
It does make it hard if you have to stay with the same one all the time. Other insurances you can hunt around when the renewal comes in.
You dont have to stay with the same one. You just need to be aware if you have previously had a claim with your pet insurance and move to another company, you may get an exclusion on your policy for the previous sickness and it could be classed as a pre-existing condition. It is best to find out what is excluded before you cancel the old policy. If you go to another company prior to cancelling the old one make sure you send in the medical records so they can put any exclusions on your policy so you are aware of them. You dont want to wait until you claim to find out the condition was excluded.
As for the claims. The company that still does Frodo paid everything they should have, but were slower in paying out the claim than what you would expect. Four years ago though. The company that has my other two dogs was a bit of a nightmare in terms of history when I made my only claim. They made it sound like there must be more when they got the vet records. It was a slow process with the back and forth wanting more info when there was nothing more I could give them. I did get paid in the end. They may well perform better now, but I have not had any sort of claim in 3.5 years
Unless you can afford vet bills that potentially (for something like cancer) could run into thousands of dollars, pet insurance is a must. Part of responsible dog ownership is to be able to afford vet treatments. For the small amount each week it costs it is well worth it.