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Thread: Insurance

  1. #1
    Join Date
    Aug 2011
    Location
    Perth, WA
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    140

    Default Insurance

    Hey Guys,
    Not sure if this is the right section, or if its been previously posted.
    Do you insure your beloved pooch? How much does it cost you? Which companies are the best to go through ?
    Thanks for any help.
    Jess

  2. #2
    Join Date
    Aug 2011
    Location
    Canberra
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    4,290

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    I haven't looked into this much myself but have a friend who has and he claimed it was not worth the cost because there are always so many things that are not covered and the premiums are steep.

    I did have a quick look the other day and found one that seemed reasonable and offered full accident and illness cover. But when I calculated how much I expected to spend in vet costs - based on the 10 years I had my previous dog, who went through 1 expensive round of treatments after an accident and 1 expensive round of tests when she got ill plus the usual smaller injuries and check-ups - I decided that it would be unlikely to save me money.

    What I should do is to open a separate savings account for this and put the money I would otherwise pay for insurance in there, I reckon. That way it earns interest and hopefully I'll have enough by the time I need it.

  3. #3
    Join Date
    Aug 2011
    Location
    Bundaberg QLD
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    3,301

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    Gday Jess.
    I was reading on a pommy BullMastiff forum that many of the owners where not happy with the price of insurance going up and up. Most of them have been keeping them insured for the first 2years or until they are sure they have a healthy dog and then cancel the insurance and put some coin aside each week just in case.
    My oldies where not happy with RACQ and have recently switched, not sure who too but will find out on the weekend. Apparently its not cheap.
    I'm also curious as to who others are using as its somthing i need to get sorted pretty soon.


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  4. #4
    Join Date
    Aug 2011
    Location
    Perth, WA
    Posts
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    hmmm maybe i should just use this open... kind of like something you would open when you first have a child to pay for schooling or something...
    Having 2 bullmastiffs, obviously larger dogs, was just thinking about the pros and cons... but have heard alot of people say they dont think its worth it.

  5. #5

    Default

    I agree with beau, you'll likely come out in front if you pay your insurance premiums into a high interest savings account instead of to the insurance companies. My dogs 6 years old and have been pretty fortunate so far - just one event(suspected snake bite - $500 later still no wiser as to what caused his symptoms. So i'm miles in front by not paying the premiums. Of course if you get a bad run or your dog does get seriously ill, you might not have enough to cover the costs. You have to decide for yourself the probabilities and where you'd end up.

  6. #6
    Join Date
    Apr 2011
    Location
    Perth
    Posts
    256

    Default

    There's quite a few threads on this all ready...type 'pet insurance' into the search area. I was going to sign my two up with petplan but decided against it in the end. From what i could suss out, a few people told me that their premiums keep going up every year. I also didn't like the idea that you have to pay for the pet's treatment before you can claim it back. I don't own a credit card and if i had the money to spare, i wouldnt need insurance.

    I decided to set up a separate everyday account with my bank instead. I put in $20 a week and can use it for everything pet related.

  7. #7
    Join Date
    Mar 2011
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    SE QLD
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    I have looked into it plenty of times over the past 2 and a half years and have never gotten it. The only thing we have had pop up was that Harley had to have surgery on his eye as his eye lid folded in and the lashes were irritating his eye ball. That only ended up coming in at $330.00.

    All other expenses have been routine, so it doesn't seem beneficial to pay 30 bucks a week for nothing. Best to do the savings account option.

    There is no psychiatrist in the world like a puppy licking your face.

  8. #8
    Join Date
    Oct 2010
    Location
    Southern NSW
    Posts
    3,784

    Default

    I am with medibank Private........Three newfies $68/month. Have been members fir two years, get a discount because we are also covered

    I have a friend with a GSD, who had hip replacements costing a total of $12,000.......All covered (bar $450.), well worth it. And the dog is still insured with them. We do not claim vaccinations and such, because we pay the first $450.00 per year. That made the monthly fee a lot cheaper
    Pets are forever

  9. #9
    Join Date
    Aug 2011
    Location
    Perth, WA
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    12,000??? for a dog? i may sound horrible but as much as i love my dogs... i cannot say i would spend 12000 on surgery or anything for that matter... if it came down to that id know what id be doing... geezus 12000!!!

  10. #10
    Join Date
    Aug 2011
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    Canberra
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    I think that's the point. If you were insured and only had to spend $450 for the op, you would be able to save the dog.

    It is very rare of course to have such a high vet bill. I though the two times I spent $1000+ at the vet for my old dog was excessive. But I suppose you could get unlucky and the insurance would then save you a terrible trauma and a lot of guilt.

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