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Thread: So Thankful for Pet Insurance!

  1. #11
    Join Date
    Jan 2010
    Location
    Melbourne
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    212

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    Hope little Roxy is ok!!

    But yes, I think pet insurance is a must have! you just never know

  2. #12

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    Quote Originally Posted by RockyRidge View Post
    Hope little Roxy is ok!!

    But yes, I think pet insurance is a must have! you just never know
    Trueee that

  3. #13
    Join Date
    Jan 2009
    Location
    Sunshine Coast, Qld
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    I know we covered pet insurance in a previous thread but I hadn't heard of
    Bowwow insurance before so I thought I would check it out. It is actually issued by Hollard Insurance like most of the pet insurances out there. There did appear to be a glaring omission in the product disclosure statement though; there was no mention of third party liability at all.

    Other potential problems are:

    No cover for any condition that you can vaccinate against. Now, I know it is still possible for some dogs to get Parvo even if they have been vaccinated against it. It can be very expensive to treat and you would not be covered.

    Also, as is common with alot of the pet insurances out there, there is not a life time condition cover. If your pet is diagnosed with a chronic condition you will only be covered to the policy/condition limit then that condition would be excluded. Any ongoing treatment, for that condition, in subsequent years would not be covered.


    No cover for any complimentary medicine, acupuncture, chiropractor, physiotherapy etc.

    I have to say, after doing many hours of research on this, I still think Pet Plan, although not the cheapest, do offer the best cover. All of the above is covered by Pet Plan and, although they weren't exactly speedy, I did have no problems getting nearly $3000 off them to cover Holly's investigations, treatments and they paid out when she died

    Sorry, Macca, I don't mean to poo poo your pet insurance and for most 'normal' illnesses/accidents it will be fine. I just wanted people to do their research on what is and isn't covered with these policies.

    Hope Roxy is ok
    Last edited by Tkay; 05-02-2010 at 08:32 AM. Reason: spelling
    The best things in life, aren't things

  4. #14
    Join Date
    Mar 2010
    Location
    Brookvale, NSW
    Posts
    59

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    Quote Originally Posted by Tkay View Post
    I know we covered pet insurance in a previous thread but I hadn't heard of
    Bowwow insurance before so I thought I would check it out. It is actually issued by Hollard Insurance like most of the pet insurances out there. There did appear to be a glaring omission in the product disclosure statement though; there was no mention of third party liability at all.

    Other potential problems are:

    No cover for any condition that you can vaccinate against. Now, I know it is still possible for some dogs to get Parvo even if they have been vaccinated against it. It can be very expensive to treat and you would not be covered.

    Also, as is common with alot of the pet insurances out there, there is not a life time condition cover. If your pet is diagnosed with a chronic condition you will only be covered to the policy/condition limit then that condition would be excluded. Any ongoing treatment, for that condition, in subsequent years would not be covered.


    No cover for any complimentary medicine, acupuncture, chiropractor, physiotherapy etc.

    I have to say, after doing many hours of research on this, I still think Pet Plan, although not the cheapest, do offer the best cover. All of the above is covered by Pet Plan and, although they weren't exactly speedy, I did have no problems getting nearly $3000 off them to cover Holly's investigations, treatments and they paid out when she died

    Sorry, Macca, I don't mean to poo poo your pet insurance and for most 'normal' illnesses/accidents it will be fine. I just wanted people to do their research on what is and isn't covered with these policies.

    Hope Roxy is ok
    No dont be sorry! Your right it's best to do your research. I have heard Pet plan is a good one, a bit pricey but good. The policy we took out suited us for what we wanted.
    "No matter how little money and how few possesions you own, having a dog makes you rich." - Louis Sabin

  5. #15

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    .. and now I have just read product review on petplan..
    .. hmm out of 6 pages only a couple had great experience..
    for many they have been nothing but a headache.. far too delayed in paying you the money, some cases they found a way out of paying customers.. what are u meant to do when you expect a seriously high vet bill covered and they turn around and reject claim..

    this whole pet insurance stuff has me worried and confused. I want to take out a plan.. but I am so so so very lost.

  6. #16
    Join Date
    Jan 2009
    Location
    Sunshine Coast, Qld
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    909

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    I can only really go on my experience but, yes, I would agree they took a fair while to pay out (probably a couple of months each time from memory) but did not actually query anything and we got all our claims back in full. That, and the fact that no one (AFAIK) offers the same level of cover, meant we chose to go with them again.

    Good luck. I think you will hear good and bad about most products. I would just suggest you read the product disclosure statement very very carefully and make your own mind up on which to go with.
    The best things in life, aren't things

  7. #17
    Join Date
    Jan 2010
    Location
    Adelaide SA
    Posts
    199

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    our insurance is through HCF, it is bundled with our health insurance i think we pay about $60/m for both dogs, but ours covers a general check up, vaccinations and one clip or 2 washes. i was really surprised when i called to add the second dog and they covered her without increasing the monthly payment.

  8. #18
    Join Date
    Sep 2008
    Location
    SE Suburbs - Melbourne
    Posts
    487

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    OT a little...

    If a dog has a pre existing med condition will they assist with med costs???
    Dogs Aren't Our Whole Lives, But They Make Our Lives Whole


  9. #19
    Join Date
    Oct 2009
    Location
    Devonport, Tasmania
    Posts
    6,675

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    Some won't at all, some have a lengthy time waiting period for pre-existing conditions, which is understandable for obvious reasons.

    I took out pet insurance for Inca, then of course ended it, but when starting up with Logan my company was very helpful. Now, looking into it further, I was going to end the policy. When I went to end it however and voiced my concerns, once again my issues were dealt with and my policy 'tweaked.'

    Therefore, I have kept it going and will continue to do so.

    They are all different, albeit only little things, and one needs to research and decide what is most important for their circumstances.
    [CENTER][SIGPIC][/SIGPIC][/CENTER]

  10. #20

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    It's a great relief if you have pet insurance if you ever hit hard with a vet bill. Before choosing a pet insurer, try to consult your vet and compare the pet insurers, all insurers have different types of claim covers, so it would be good to pick the one that's going to help your pup in the long run.

    Cheers!
    Resa

    Pet Insurance
    Last edited by resamith; 05-17-2010 at 09:24 AM.

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