I wish I could afford Petplan prices but I have 6 dogs and 2 cats and a pension to live on !

The others are with Animal Friends - who have been absolutely brilliant, but they wont insure my newbies.

I've not been able to find anything affordable. I dont want to cover breeding risks - I have a bit put aside for that, just everyday vets bills cover - which hopefully they will never need.

I have never had a puppy returned, but I have gone and taken one back who I felt wasnt being treated correctly. I have always done my utmost to support my puppy owners and some have been great friends now for many many years.

The 6 weeks free insurance is now reduced to 4 weeks and as far as I know only Petplan & the Kennel Club do this - I have checked and cant afford the prices.

Bummer as breeding is an exclusion clause then can't you just insure them normally, after all apart from a possible STD males don't run any risks from breeding & if you don't claim for any problems connected with breeding for the bitch.

Have just done a proposal for a entire male & there is no mention of refusing the insurance because of them being used for breeding. Conditions caused by breeding are simply not covered

The KC insurance cover the first 4 weeks after transfer for free

The whole insurance policy is invalid if the dog/bitch is used for breeding and I have to sign a declaration that the dog is not a banned breed, used for guarding or working gundog. Even the last is difficult because if I want a full champion they have to prove they can do the job they were bred for in the field.....

I know conditions caused by breeding are not covered but this seems to be a new thing - I suspect they dont want to encourage those who breed purely for profit and the reason they say they wont insure a dog used at stud is because this will change his temperament !!

I've still not found anything I can afford.