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Thread: Pet Insurance - my options and recommendations

  1. #1
    Join Date
    Mar 2014
    Location
    Flagstaff Hill, SA
    Posts
    63

    Default Pet Insurance - my options and recommendations

    Hi All,

    I am looking for Pet Insurance for my kitten (10weeks) and my puppy (8 weeks).

    My kitten is a domestic house cat and my puppy is a Labrador retriever.

    So far , I looked at the following Insurers:

    Woolworths Pet Insurance
    Kitten – Standard Accidental Injury and Illness cover ($100 excess covering up to $10,000, but can claim 80% back) for $23 per month
    Puppy - Standard Accidental Injury and Illness cover ($100 excess covering up to $10,000, but can claim 80% back) for $38 per month

    Pet Plan Insurance
    Kitten – Classic Cover 1 ($110 Excess covering up to $9,000, but can claim 100% back) for $28 per month
    Puppy - Classic Cover 1 ($120 Excess covering up to $10,000, but can claim 100% back) for $68 per month

    Firstly, do you guys recommend pet insurance?

    Secondly, what insurance provider do you recommend?

    Lastly, what sort of cover do you think you should get for your pet?

    Thanks in advance

    Regards,
    Robbie

  2. #2

    Default

    I have never bothered with pet insurance for any of my dogs.

    You really need to read the fine print particularly on exclusions.

    Some information for you on Pet insurance that may help:

    Full Page - We investigate veterinary costs - are they excessive? - CHOICE

    Compare Pet Insurance – Information On Pet Care And Insurance Plans | Canstar

    Get The Best Pet Insurance in Australia. | Top 10 Pet Insurance

    Pet Insurance Australia, Dog Insurance, Pet Health Insurance

    Also check your home and contents policy – you may be surprised to find that your pets have some coverage within the policy or you may be able to include them.

    Home & Contents Insurance - Hints & Tips | Canstar
    smiley-eatdrink004.gif

  3. #3
    Join Date
    Aug 2009
    Location
    Adelaide
    Posts
    12,581

    Default

    Hi Robbie

    In Australia - there are two kinds of pet insurance - the sort backed by Hollards - which is what you have two versions of above.

    Also RSPCA sell one of these and Medibank Private and Pet Insurance Australia (the one I have).

    Your other choice is Allianz

    Some companies are much more likely to pay out a claim than others, some automatically refuse pretty much everything.

    So what I would do is ask your vet who is the most reliable in terms of honouring claims.

    Also if you do need to make a claim - it pays to call before you make the claim and discuss what they will pay on whatever you're thinking of claiming.

    Variations on the Hollards backed insurance - is usually along the lines of their maximum payout for any single condition or in a single year. So some pay max of $10K and some pay up to $15K - and the premiums reflect this. Ie higher premiums offer higher claim amounts.

    Most all of the Hollards exclude pre-existing - so it helps to get your vet to check your puppy and write - "healthy, no pre-existing problems" or something like that in the records. Especially for joints.

    Hollards also exclude any subsequent problems so if one Hip needs an operation, and then other hip needs an op - they may refuse to pay out on the second hip because it's "bilateral". Tho sometimes they do pay out (I think that comes down to how cluey the retailer's claim staff are and how much pressure they get to refuse claims).

  4. #4
    Join Date
    Jul 2010
    Location
    Rural Western Australia
    Posts
    2,634

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    My insurers view a bilateral condtion as one condition. They pay a max $15,000 for any condition. My dog has bilateral elbow dysplasia and the surgery and scans on both elbows was around $5,500, so that fell easily in to the $15,000 and I still more I can claim for her elbows if I need to. That is how my insurance worked anyway, they cover both elbows as the one condition up to $15,000.

    You do need to read all the fine print very carefully and find out exactly how it works and what is covered and what isnt.

    Is your lab puppy from lines that have been tested for hip and elbow dysplasia? This breed do have higher risk profile for these conditions. I have occassionally insured a puppy untill I am sure that it doesnt have one of these conditions. I was lucky enough to have insured my elbow dysplastic dog as a pup before she was diagnosed and it paid off. With another puppy I got from rescue I insured him for the first 2 years untill I was sure his structure was sound.
    Last edited by Kalacreek; 03-20-2014 at 12:01 AM.

  5. #5
    Join Date
    Mar 2014
    Location
    Flagstaff Hill, SA
    Posts
    63

    Default

    Thanks!

    Kalacreek, who do you use for insurance?

  6. #6
    Join Date
    Jul 2010
    Location
    Rural Western Australia
    Posts
    2,634

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    I use PetSecure and have so far been happy with them although the premiums have been increasing alarmingly over time. I just had a look at my new renewal and the annual limit is now $12000 but the basic premium has jumped to $53 before GST ansd stamp duty. I used to have the option of an excess but there policies now come without an excess and they pay 85%. They have always payed promptly and never questioned any of my claims.

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