Insuring dog after injury

[BreweryGrunt]

In July last year my then 2 year old Golden Retriever jumped over a ditch and landed badly which caused him to suffer an FCE and left his left hind leg completely paralysed. He was uninsured as I had stupidly not sorted suitable insurance so we paid for all of his treatment ourselves, including extensive hydrotherapy and ongoing physiotherapy. Thankfully he can now walk again, although with a limp and a kangaroo hop/run. He is happy but has not regained full use of the leg ie he cannot scratch an itch he may have on his left side so I need to scratch it for him! When he had X-rays at the time of the accident the vet also noted 'mild hip dysplasia' in his good hind leg, which would need to be declared to an insurer.

 

I would like to get him insured as best as I can as I would not be able to potentially cover the same expense again should he have another injury. I'd like to have lifetime cover but not sure it's really a viable option any more? Does anyone have advice for insurance companies/policies which may be suitable for my circumstances?

 

Thank you

[peek-at]

Have look at Petplan Lifetime insurance....although you will find that pre-existing conditions wont be covered

[al4x]

Yup as said disclose the events and the injury and hips won't be covered. Best option with this one is to put money in a pot as it's going to be an expensive dog in the long run

[BreweryGrunt]

Thank you for your replies. Was wondering if there was a specialist insurer for injured animals but will most likely do as suggested above.

[al4x]

No for the simple reason insurers are there to make money, they are never going to take a dog with pre existing conditions they know will cost them lots

[loriusgarrulus]

I have a savings account for my dogs. I put a set amount in each month as you would with a monthly paid vet plan and let it build up.

You choose then what veterinary events to use it for and no excess or uncovered conditions.

On the rare occasion there wasn't enough in the account there is always Mastercard.

[Fatcatsplat]

In the unlikely event you'll find someone to cover it, you will be sub-limited on that condition/limb, with an increased excess or deductible. I work in insurance and have 3 dogs - I figure if I budget around £100 a month that might be spent on pet cover, I'm well in the black on two of them and a little in the red on the other over the course of the last 6 years (and that includes rebuilding and pinning an elbow twice). I've had the opportunity professionally to look at placing pet insurance schemes in the past and the only person that makes any money out of them tends to be the broker - Veterinary science is progressing and what would have been a fifty quid final injection a few years ago can now be a thousand quid's worth of wonderful new treatment that'll get you an extra six months.