I have my dogs with NFU as i also have a horse insured with them.
I had a horse vet bill in the summer for £1600 which was settled within 2 weeks Im sure the dog side of things will also be good.Most of the horse owners are with them and also have dogs, i have only heard good reports of them paying without weeks of arguement.
I think i pay around £30 per month for my bernie, all covered with no exclusions, i cant see the point of having an insurance without covering hips, elbows etc.
1st bernie had hip dysplasia
2nd bernie had ocd in the shoulder (died of cancer at 9 years!)
Karen

Hello
My family & I are also looking into getting insurance for our 9 month-old Heidi for the "just in case" stuff. We live in Canada, so any fellow Canucks have opinions on insurance plans you have?

Thanks a bunch!

We also live in Canada and now have a 8k bionic Berner due to 2 ACL knee joints on her back legs. Not to mention months of long trips to special rehab vet clinics for therapy etc (underwater treadmill walking!!). But, Shady is the "perfect" dog and we couldn't imagine putting her down just because she had injured herself. (IMO, partly due to OCD genetic issues). Long story short, I would not hesitate to recommend getting your Berner on an insurance plan (like trupanion.com) and paying the premiums only for big ticket items like TPLO (knee, hip displaysia) surgeries. Believe me, we rue the day we considered the insurance for Shady and thought...."well, 40 bucks/mo is pretty expensive for a healthy puppy". Little did we know! You can always cancel the insurance at age 2, 3 or 4, if you feel you have a really healthy dog.

Wow, a bionic Berner. Thanks for the info. That's exactly what I am thinking about. I've researched the health of the breeding pair I am getting this puppy from but you just really never know. I'm going to look up that insurance co. To me I am willing to pay the premium but my husband is thinking along the lines you did. That's alot for a healthy puppy so I made him read your post. Thanks. I think he can see your point. Do you have just one Berner and was Shady your first?

I too have a bionic Berner. Stormy was 6 months when he had elbow surgery on both elbows. I too don't regret ever doing the surgery or the countless injections, or vet trips. I did do my own therapy though, lucky to have a lake to do it in.

I thought the same $40 bucks, wow, i can save the money up when the dysplasia hits, guess what? it hits before they are a year.

get insurance for at least 2 years, it will more then pay for it self if something happens.

I couldn't imagine not getting the surgery for stormy, now i have to pay a lot more then insurance premium.

Wow, that's scary. I was just thinking myself, I'll just put the money aside each month into a savings account but lets be realistic. I'm not very good a doing that. I quess I might go to the vet I'll be using and ask them for some prices on surgery and what their thoughts are on the subject. I've never had insurance on my other pets and have gotten by ok . Man, this is hard because they all have different options and little differences in the plans. Still more research to be done I quess. Thanks