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Thread: Pet insurance --- is it worth it?!

  1. #11
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    Jan 2013
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    Adelaide
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    Thanks for your replies, I've sent off the claim so we'll see what happens , depending on the outcome I may keep up the premium.
    If they will cover the cost of the previcox which is ongoing then I'm laughing apart from the fact that I have to save the $224 to
    pay the vet upfront as it means I only pay $48 ev'ry 2 mnth plus 20% of a 6monthly consultation, bloodwork etc to make sure the
    pills are not doing kidney damage etc. Anyway we'll see and I'm so happy that I can walk him again, he even chases his tail
    like a big puppy and I'm sure he's 'smiling' at me.








    I still think it's wrong that we have to pay the full amount up front,I mean if you're in an accident you don't pay the hospital upfront or if the car's damaged you only pay the excess .
    The secret to having everything is knowing you've already got it !

  2. #12
    Join Date
    Jul 2010
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    Rural Western Australia
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    Quote Originally Posted by Dogman View Post
    Insurance companies are there to make money and that's the bottom line, they are not there to help you. They are not stupid as they know all about hereditary issues and as most breeds have health problem all the better for the Insurance companies so they can knock you back when you make a claim.

    Deemed to be Pre existing is the biggest con out and what it means is if you buy a healthy pup lets say a Dobermann and 5 years later this dog is diagnosed with Wobbler Syndrome well guess what - your not covered because it's Deemed to be Pre existing what a rip off.

    Yes I did enquire about pet Insurance years ago and got the Deemed to be Pre existing BS but these vultures still wanted my money, which they didn't get and it seems nothing has changed.
    Of course they want to make money and have the money to cover the big claims. We pay insurance to reduce the risk, many of us will never use it and there are plenty of exclusions in house insurance too, look at all that flood debacle. Some people have major claims A friend of mine lost everything in a fire, nearly a million dollars worth that the insurance company had to cough up.

    As I said you just got to know your breed and what the insurance company considers pre exisiting condition and what it doesnt. It aint rocket science. Read the fine print and get confirmation in writing if you have to. That is why there is often a surcharge on at risk breeds, just find out what they cover and what they dont. Then make a decision, everyone has different circumstances.

    My pet insurer covered dysplasias which are often likely to be pre existing potential condition due to the dogs genetics.

    Even if I pay insurance for the rest of my dogs life I am still ahead after the $5000 they coughed up for elbow dysplasia and then another couple of grand for pyometra, HD and a nasty grass seed abscess. I havent yet been knocked back for a claim for either HD or ED. They just sent me the cheque very promptly. Maybe I was lucky, but I have no complaints.
    Last edited by Kalacreek; 01-10-2013 at 01:42 PM.

  3. #13

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    Well one way to put it is this:
    Put in the bank what you would give to the insurance company monthly (or which ever way you do it).
    Get your insurance bill and then subtract the stuff you've claim through out the year (adding excess and the 20% you have to pay)
    Compare. 5 to 1 that insurance costs more.
    Seriously they are just ripping you off.
    In five whole years and no claim!?!?!
    Then with this claim you have to pay a hundred dollars at least!
    Bin the insurance, unless your dog gets hit by a car and is in the hospital for a week(more than 6000 dollars says the neighbour) you shouldn't need it.

    If you have to get insurance then don't get insurance if you have to pay excess for it. Not nearly worth it
    If you really want some money to back up on during an accident just bank everything you would've paid and get that when you need it. You'll probably end up with enough left every year for an overnight stay near the beach. I don't trust insurers '_' they try to con you into thinking that cost to accident you will benefit but noooo. You've gotta do the maths. 0.0

  4. #14
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    duplicate post
    Last edited by Kalacreek; 01-10-2013 at 09:04 PM.

  5. #15
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    It really does depend on many factors. I just insure a couple of my dogs that I consider at higher risk and so far it has really paid off.
    A friend of mine has so far claimed $20,000 when an impulse pet shop puppy purchase turned out to have multiple problems and needed several major corrective surgeries. She took out the insurance just in case to get her through the first year, what a bonus it turned out to be.

    I often insure mine for the first year, especially any very young dogs of unkown parentage, like my rescue and once I am happy with their health status I drop the insurance. You can use insurance to your own advantage as well. Living on a farm, grass seeds, snakes and other hazards are all a risk, so I often get some thing ocurring in that first year anyway.


    Insurance premiums have gone up in the last few years. When I first took it out several years ago it was about $20 a month so very afordable. Now it is much less so, so one has to be a bit more circumspect. I just continue with the insured dogs I already know have potential problems in the future as I am ahead on them already.
    Last edited by Kalacreek; 01-10-2013 at 09:02 PM.

  6. #16
    Join Date
    Jan 2012
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    BrisVagas
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    I have insurance for 3 Dogues and I would never ever be without it .
    Everyone here knows my case with my girl getting a snake bite.
    Vet told me to be prepared to have $7000 in my back pocket .
    Insurance refuse to pay it, I had to pay upfront then they would
    Re emburse me..which they did like 3 days later.

    When one joins from a pup all u need to do when u get your pups 2nd shots
    Get the vet to look your dog over give a physical exam and write a report to
    Say there is not evidence of and cruisial ligament damage on examination.

    Send the report to your insurance and your done and covered for when something
    Does happen.

    I'd never b without it....

  7. #17

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    we have Roscoe covered by our home and contents insurance.
    He is listed as a "pet content"
    it will not cover any long term diseases but does cover emergency care.

    We have claimed for the tick paralysis and had a good experience.

    Re the OP- almost all insurances you pay upfront and the insurance reimburses you. Most human private health insurances do the same thing.

  8. #18
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    Jan 2013
    Location
    Adelaide
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    Default Pet ins.

    Quote Originally Posted by Kalacreek View Post
    Pet Insurance companies dont pay up front, you have to send the receipts and the vet reports. I have been quite lucky with insurance paying around $6000 in my first couple of years of having the policy. I havent had any problems with them paying for medication. I only insure 2 of my dogs now as the premiums have got a lot pricier. Those 2 I have kept insured as they both now have conditions that may require more expensive orthopedic surgery, may not but I am well in front anyway.

    If I only had 2 dogs I possibly wouldnt bother, depending on the breed, their activities and their structure. Straight stifled heavy dogs are always at risk of cruciate problems.
    Medibank private pet insurance insists on payment before they even look at the claim, when I thought Jambo needed an operation I waas very distraught as no way have I any means of coming up with thousands of $$
    but they were totally unsympathetic and told me to take out a loan!@!?#@ which because I'm a pensioner I probably wouldn't get and how could I pay it back as well as keep paying the premiums? ,anyway they informed me that all pet insurance cos, work this way.
    I am fortunate that jambo doesn't need surgery after all but still cost me $600 UPFRONT
    The secret to having everything is knowing you've already got it !

  9. #19
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    Adelaide
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    Also ,as vet has looked after him from 8 wks old was able to give history showing no previous conditions and emphasised non
    weight bearing illness as he's only a little overweight thru' lack of exercise due to pain, happy to say he;s already down !and a half kgs and even chases his tail like the big pup he is, rang ins, and they will pay for the previcox (224 for 60 tabs) so all is looking good, thanks for your interest it helps me to talk about these things
    The secret to having everything is knowing you've already got it !

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