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Thread: Pet Insurance

  1. #1
    Join Date
    Oct 2009
    Location
    Devonport, Tasmania
    Posts
    6,675

    Default Pet Insurance

    Tomorrow I start the process of phoning around and cancelling all things regarding Inca. Council, PetSafe, microchipping registar, and of course...Medibank Private.

    I looked into insurance for Inca quite some time back (as many of you may recall.) I had intended to insure her once she was 8 weeks, even though she was still with the breeder at that time. I'm kicking myself that I didn't push the breeder to make a decision on which dog they were keeping sooner, so I could instigate the insurance long before she arrived. I had discussed all that with breeder, to no avail. Another lesson I've learnt!

    As it stands, Inca's tummy issues and death have fallen within the initial 2 month waiting period, so I have had to pay the full 100% of all vet bills up till now and tomorrow have to pay for the autopsy as well. I am hoping they may be able to hold over the insurance funds we have paid so far until a future date, but hey, I'm not holding my breath!

    I got a headache researching them initially, so just went with the company who we had our own health insurance with. There are policies out there that will even cover the purchase price of a deceased or lost pet up to the amount of $2500. It is well worth it. On top of the emotional turmoil of losing a dog, the financial stress also takes it toll.

    My advice to others is to seriously consider pet insurance for your dogs, and to compare policies carefully. Thanks.

  2. #2

    Default

    Good luck with it

    I dont have it for my dogs, until they do it as a "family" there is no way i can afford to get 5 pets insured!

    www.cinspets.com.au
    I am doing Relay For Life in 2011, please contact me to make a donation

  3. #3
    Join Date
    Jan 2010
    Location
    Queensland
    Posts
    1,822

    Default

    Thank you DA, I completely agree that pet insurance is definitely worth looking into and taking out if you are in a position to afford it.

    I have Batty insured with Petplan Insurance Australia and I think they are definitely worth it, can highly recommend them.

    I have the supreme dog plan which covers (among other things) death from illness or injury, $18,000 in vet fee's per year Including illness & injury, including hospitalisation, referral & complementary medicines and there's a whole host of other things it covers. I pay $47.00 per month and it is well worth it IMO, even just for the peace of mind.

    Good luck with everything you are dealing with. If there is anything I can help with at all, just let me know

  4. #4
    Join Date
    Dec 2009
    Location
    Hawkesbury, NSW
    Posts
    2,001

    Default

    I'm the same Terrorbull, I have 5 dogs too so it's a no go for me. Shame they don't have a "family" plan, I think a lot more people would consider it.

    In My Home Dog Minding
    www.greyhoundrescue.com.au

  5. #5

    Default

    I've been told by a few work mates that some insurance companies will insure your pets along with your home & contents insurance.

    I too will have to look into insuring my Dogs with my home insurer soon as my youngest suffered Pyometra around a 6 weeks ago which required an emergency Hysterectomy,which in itself along with consulting fees was a small fortune.

    Would've been nice to have been insured & only have to pay an excess.
    "If you're going through hell, keep going"

  6. #6
    Join Date
    Aug 2009
    Location
    Adelaide
    Posts
    12,596

    Default

    One of them that Choice recommended, has discounts for subsequent pets so it may be that insuring 5 would be affordable. All I know is that several thousand dollars for a hospital stay if Frosty gets bit by a snake or has a car accident is expensive. So that insurance seems worth it.

  7. #7

    Default

    Full cover for just one of mine is over $50 per month! Times that by five???
    Mine are also subject to restrictions as they are breeding dogs, even if breeding costs aren't included

    A low cost option I find helpful is having a certain bank account set aside into which a monthly amount goes, much like paying a premium. It wouldn't help much at short notice I know but it does build up quickly and is at least some form of safety net.

  8. #8
    Join Date
    Jan 2010
    Location
    Adelaide SA
    Posts
    199

    Default

    our family health insurance has an additional cost to cover pepsi, it is only a few dollars a month, so we took it out for her. I am so glad we did, it gives me so much peace of mind! fortuneately we have never had to make a big claim but just knowing it is there helps!

  9. #9
    Join Date
    Jan 2010
    Location
    Adelaide SA
    Posts
    199

    Default

    I have been away for a few weeks just logging in occasionally from work....what happened with Inca? Can i ask or is it s touchy subject?

  10. #10
    Join Date
    Jan 2010
    Location
    Queensland
    Posts
    1,822

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