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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 :)

Public Comments

1. First of all Pet Insurance will never be cheaper that just paying vet bills and paying for items as the occur except for and if you have a one time catastrophic medical problem that will run into the thousands and would not be able to afford that. It is just like car insurance. Have you come anywhere near collecting most of what you have paid?