Can anyone help with dog insurance?

Dec 10 2009

Can anyone help with dog insurance?

Hi everyone, I need some help understanding the mumbo-jumbo that is pet insurance policies. We have a 15 month old working cocker spaniel bitch who is not neutered. We have been looking at pet insurance and have been given a couple of quotes. The PDSA have been the cheapest so far at £7 a month for their middle package.
I am having trouble understanding firstly what is meant by voluntary veterinary fee excess and compulsory excess which is £75.
Also will the insurance company pay for us to get the pooch neutered at all? or does it just cover emergency bills.
Is pet insurance generally a good idea? Or can it be a total scam?
Thanks guys, really need this explained in real life scenario terms

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