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Thread: Pet Insurance question

  1. #11
    Join Date
    Jul 2010
    Location
    Rural Western Australia
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    2,634

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    Quote Originally Posted by bernie View Post
    Ive always had it for my dogs, since i got my first in 1980. and i have never had to claim. Got into financial strife in early part of year that required cut backs. Dogs insurance went in January.
    Fast forward to today. And my dog needs an operation i cannot afford.
    Murphy's law.

    Now with the benefit of hindsight. I will save a lump sum and stash it away just in case.
    As its been 2 decades without a claim.
    Yes that is a pain. Hindsight though is a wonderful thing though. It is a gamble which way the cookie will crumble. I had a friend take insurance on her rescue pup because she had a tendency to chase things. Turned out as the dog matured that it had massive genetic orthopedic problems and needed over $20,000 worth of surgery, so for her it paid off. The first dog I ever insured was also a big bill surgical dog, but like you the first couple of decades were fairly trouble free but with no insurance. Maybe dogs are not as robust as they used to be, especially some breeds.

  2. #12

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    Hi, I'm new to Australia and finding most pet insurance companies out here with "terrible" reviews. Just wondering which insurance company you have that paid for these elbow surgeries you're mentioning above?

    (I've read a lot of your posts and you sound like a great voice of reason on this site, so would highly respect your opinion on your choice of insurance.)

    Thank you!

  3. #13
    Join Date
    Jul 2010
    Location
    Rural Western Australia
    Posts
    2,634

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    Quote Originally Posted by Caligirl View Post
    Hi, I'm new to Australia and finding most pet insurance companies out here with "terrible" reviews. Just wondering which insurance company you have that paid for these elbow surgeries you're mentioning above?

    (I've read a lot of your posts and you sound like a great voice of reason on this site, so would highly respect your opinion on your choice of insurance.)

    Thank you!
    I use PetSecure. So far they have been very good. There is no excess and they pay 80% of the claim. They used to have a voluntary excess option which reduced the premiums but they dont anymore. I have 2 of my dogs covered. On has mild hip dysplasia and the other has elbow dysplasia. So far they have covered anything that involves these conditions without question. I have also had a few other issues like grass seed removal and a serious dog bite and they have all been covered. The biggest claim was the elbow surgery, and complete hip and elbow scans on both dogs.

    I insured both dogs as baby puppies. You cant insure for those conditions if it is already known that they exist. With cruciates there is a 6 month waiting period of no cover unless you get a certificate form a vet saying the the cruciates are sound.

    Insurance is always a toss up. I am ahead on those two dogs, on my others I would proably be breaking even with the others because of the annual battle with grass seeds. A dog I had previously that wasnt insured I would have been way in front as she needed close to $12000 worth of surgery in her lifetime. Most of my other dogs over the years I would likely have been behind on if they had been insured.

    I insure now because I have a number of dogs so I insure a couple of them. If I only had one or 2 dogs I might be less inclined to insure unless there was something about the dog that made me uneasy, like a poor conformation or a risk taking personality, or a car chaser or something like that.
    Last edited by Kalacreek; 08-28-2013 at 01:58 PM.

  4. #14

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    We have been with Medibank and so far they have been great. We are going through a rough patch with Hooch and it's been costing us upwards of $2500 (more tomorrow!). They paid within a couple of weeks of us lodging the claim. So far so good, lucky we have them as I cant imagine being out of pocket so much right now.

  5. #15
    Join Date
    Jan 2011
    Location
    SA
    Posts
    945

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    I'm looking into this at the moment as well. I found a comparison site somewhere on the web for petinsurances and according to that site petplan was the only one covering chronic conditions. All others had a maximum (usually the annual maximum) per condition and once that's reached you can't claim any more.

  6. #16

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    Wishing i had pet insurance.. after a Boxingday bill of $2,800 for a snake bite it would have been worth it.

  7. #17
    Join Date
    Aug 2009
    Location
    Adelaide
    Posts
    12,581

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    I'd much prefer my dog didn't get bitten. But she snuck off into the snake infested sand dunes yesterday to retrieve a dead marrow bone my friend cleared off the footpath the day before. It went in the bin this time, where it should have gone the first time but I guess she thought it would be good soil conditioner - if cadaver dog here hadn't found it.

  8. #18
    Join Date
    Aug 2013
    Location
    Brisbane, Australia
    Posts
    102

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    I have RSPCA Ultimate Accident & Illness cover with Routine Care cover added on

    Really happy with it (haven't found any loopholes yet although being insurance I'm sure there are...)
    Monthly payment of under $40, 80% payback

    Worth a look
    Pet Insurance Comparison | Compare Pet Insurance | RSPCA

  9. #19
    Join Date
    Aug 2013
    Location
    Brisbane, Australia
    Posts
    102

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    Just realised this is an old thread...

  10. #20

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    woops dogs a 9yr old

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